Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello To Whoever, Concern, due to being a victim of identity theft, and a DATA BRENCH I checked my credit score, and found multiple inaccuracies listed on my credit report. 
Ive constantly been disputing the inaccuracies on my credit report since XX/XX/XXXX. 

A credit card was opened by XXXX XXXX using my information on XX/XX/XXXX not one payment was made or received on the XXXX XXXX account. I contacted XXXX XXXX on XX/XX/XXXX explaining the situation begging for the account to be removed/ and, or verified due to identity theft, and also no payment being made on this account. 

XXXX XXXX  disregarded the information I provided, by making a decision to list the account as a charge off on XX/XX/XXXX. The company. Following that I Than decided to look access XXXX XXXX PRIVACY LAWS IN WHICH DID NOT MENTION SHARING MY INFORMATION WITH EQUIFAX. 

FACTS WHAT DOES XXXX XXXX DO WITH YOUR PERSONAL INFORMATION? 
XXXX Rev. XX/XX/XXXX Why? 
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. 
What? 
The types of personal information we collect and share depend on the product or service you have with us. This information can include : n Social Security number and income n Credit history and credit scores n Account balances and transaction history When you are no longer our customer, we continue to share your information as described in this notice. 
How? 
All financial companies need to share customers personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers personal information ; the reasons XXXX XXXX chooses to share ; and whether you can limit this sharing. 
Reasons we can share your personal information Does XXXX XXXX share? 
Can you limit this sharing? 
For our everyday business purposes such as to process your transactions, maintain your account ( XXXX ), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes to offer our products and services to you No We dont share For joint marketing with other financial companies For nonaffiliates to market to you No We dont share No We dont share For our affiliates everyday business purposes information about your transactions and experiences No We dont share For our affiliates everyday business purposes information about your creditworthiness No We dont share Questions? Call XXXX or go to XXXX Page 2 What we do How does XXXX XXXX protect my personal information? 
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. 
How does XXXX XXXX collect my personal information? 
We collect your personal information, for example, when you n Apply for a loan or use your credit card n Give us your income or give us your contact information n Pay us by check We also collect personal information from others, such as credit bureaus, affiliates, or other companies. 
Why cant I limit all sharing? 
Federal law gives you the right to limit only n sharing for affiliates everyday business purposesinformation about your creditworthiness n affiliates from using your information to market to you n sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law. 
Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. 
n XXXX XXXX does not share with our affiliates. 
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. 
n XXXX XXXX  does not share with nonaffiliates so they can market to you. 
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. 
n XXXX XXXX  doesnt jointly market. 
Other important information Special Notice for Vermont Residents : The information sharing practices described above are in accordance with federal law. Vermont law places additional limits on sharing information about Vermont residents so long as they remain residents of Vermont. In accordance with Vermont law, XXXX XXXX  will not share information we collect about Vermont residents to companies outside of XXXX XXXX except : ( XXXX ) As permitted by law ; ( XXXX ) To companies that perform marketing or other services on our behalf ; ( XXXX ) Name, contact and transaction and experience information ( such as your account balance and payment history ) to other financial institutions with which we have joint marketing agreements ; or ( XXXX ) With the authorization or consent of the Vermont resident. XXXX XXXX also will not share non-transactional information about Vermont residents received from others within the XXXX XXXX family of companies except with the authorization or consent of the Vermont resident. 
Special Notice for California Residents : We only disclose your Personal Information with our affiliates and nonaffiliated third parties in a manner that is permitted under the California Financial Information Privacy Act ( CFIPA ) and federal law. In general, CFIPA requires us ( XXXX ) to provide you with notice and the right to tell us not to disclose your Personal Information before we disclose such information to our affiliates or other financial institutions with which we have joint marketing agreements, and ( XXXX ) to seek your express consent before we disclose your Personal Information to nonaffiliated third parties for marketing purposes. This means that unless we provide you with notice and the opportunity to tell us not to share your Personal Information, or seek your express consent to do so, we will not share your Personal Information with other financial service providers and non-financial parties except for the purpose of fulfilling your request for credit, as you may otherwise direct us to do so, or as otherwise permitted under CFIPA and federal law. Regarding Third Parties with Whom Personal Information is Disclosed : XXXX discloses personal information to the following third parties : ( XXXX ) Service Providers : to service or administer your XXXX account. Generally, you may not opt out of this category of disclosure ; ( XXXX ) Managers of Content on our Website : to take applications and payments via website or mobile applications. Generally, you may not opt out of this category of disclosure ; ( XXXX ) Government Agencies and Regulators : to fulfill requests made by authorized government agencies including XXXX regulators.

Company response to consumer: Closed with explanation