Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I requested that Equifax XXXX XXXX to remove the Bankruptcy from my credit report reporting in violation of 15 USC 6802 which states : " 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Equifax is a consumer financial instution reporting to the Securities Exchange Commission for profit corporation and a third party. I have not given Equifax any permission to report any data that has not been properly validated personal information and data about me in any form written or otherwise for reporting to any other third party including secondary bureaus. This is a willfull violation of my FDRA rights as a consumer. Equifax has not validated this information under oath from the clerk of the court as true and accurate information. XXXX XXXX, a for profit corporation also reporting to the SEC can not validate or verify this information or any other third party who has not been granted written permission to use my personal data. Only the XXXX can validate this information under oath reporting without permissable purposes and they dont report nor validate. Equifax is securitizing my data and personal information but is refusing to provide me with accurate reporting and full disclosure related to my consumer file. The following accounts are disputed US Bankruptcy Court under public record. Equifax Confirmation XXXX. 

Please remove this public record from my consumer report immediately. I will be filing an identity theft report against Equifax for continually to unlawfully use my personal identifying information without my permission. I will also be reporting to the attorney general in your assigned state as well as the FTC for unlawful use of my consumer information for trading purposes on the NY XXXX XXXX and pooling purpose for raising capital for the company. Your integrity is to the consumer you said you would uphold and protect. Finally, I will report Equifax to the Federal Office of Ombudsman. This is my 3rd request. 

Also, I dispute the information being reported by XXXX.

Company response to consumer: Closed with explanation