Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: PA
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:
I looked at my consumer report on XX/XX/2022 from Equifax and found that my consumer report score was incorrect. I called Equifax XX/XX/2022, spoke to a representative and gave them my information for identity to show it was me. I explained what was wrong in my consumer report score and that I was a customer that was a victim of the Equifax issuing wrong scores. I simply told the rep about Equifax privacy policy and he told me that is not there privacy policy. In the Eqifax data sharing policy it states Consent In general, Equifax shares personal credit data with organizations that have the data subject 's consent to request receive and use it for the particular purpose ( s ) for which it will be used. Who is the data subject and why isnt my name? Am I the data subject Equifax is referring too? Is this telling me Equifax does not move without my consent or is it saying you got the consent from me telling someone else that they had consent to do this? When Equifax claim I gave consent it was not clear and conspicuous, Equifax made me think I had to opt in when I could have opted out according to Graham leach bailey act for nonpersonal information. It was never made clear to me what was going on. What is my personal credit data being used for? If it needed to be reported why does Equifax need consent.

15 usc 1681 a ( 3 ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 usc 1681b you never had a permissible purpose I never instructed you to furnish the report or create ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 usc 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 suchfinancial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In generalA 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.

15 usc 6821 ( a ) Prohibition on obtaining customer information by false pretensesIt shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person ( 1 ) by making a false, fictitious, or fraudulent statement or representation to an officer, employee, or agent of a financial institution ; ( 2 ) by making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution; or ( 3 ) by providing any document to an officer, employee, or agent of a financial institution, knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation I asked the representative to send me the data policy and the phone hung up.

Company response to consumer: Closed with explanation