Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: TX
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 have had a lengthy history of being violated and filing disputes with EQUIFAX. In many cases EQUIFAX sends responses stating the information is valid and verified, but never sends proper verification of those findings according to the law. I have recently mailed in another dispute dated XX/XX/2023 opting out of reporting in accordance to 15 USC 1681 section 604 sub section 2, states subject to subsection c, any consumer agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates. { XXXX, XXXX XXXX  and XXXX XXXX ) the financial institutions and the Consumer Credit Reporting agency EQUIFAX does not have my consent to furnish this information and EQUIFAX surely does not have my written consent. Any and all consent to EQUIFAX and the above listed financial institutions whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 
15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. { XXXX, XXXX XXXX  or XXXX XXXX ) never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. The accounts listed in this dispute are accounts they are reporting, again, without my permission or written consent which is against the law. 15 USC 1681s2 ( A ) ( 1 ) A, states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. EQUIFAX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of EQUIFAX reporting services related to the specific accounts listed on this dispute as of XX/XX/2023. If EQUIFAX can not provide a written consent form signed with my wet ink signature from the financial institutions listed in this dispute and a consent between myself and EQUIFAX the accounts MUST be permanently deleted. EQUIFAX is in violation of these laws and I am requesting to be compensated for the problems the unauthorized negative reporting has caused me in my financial journey.

Company response to consumer: Closed with non-monetary relief