Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: GA
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:
my name is XXXX I called XXXX XXXX XXXX and Equifax on XX/XX/XXXX. I was violated on multiple rights according to fair credit reporting I spoke with three representatives and all the them denied my request for me to verify how and when did they are what information was given to them for a bankruptcy on my credit report I asked the representative to give me the creditor information. She denied it multiple times all company have recording I would like for you guys to go back and listen to the recording. I do not want to get any law enforcement are obtain a lawyer. I simply just want the bankruptcy removed according to the fair credit reporting act it Have to be 100 % accurate the representative denied any request I ask besides disputing the information once again, as I stated to the representative, the information will get verified because information that XXXX XXXX have on me according to the fair credit reporting act information must be deleted if there is an accurate the representative notified me that there is no contact information for the bankruptcy directly, so that is an accurate information because I supposed to be able to see are communicate with the creditor she told me that she can not give me any information on the creditor that is a violation. She told me that there is no contact information that is a validation because its supposed to be 100 % accurate if its reported on my credit report, but according to the fair credit reporting act. all I want is for this to be removed and no further action will be taken according to the fair credit reporting act. If theres a violation you can be held with a fine of {$1000.00} are remove the item off my credit report I just want to add and remove problem solve please reach back out to me within 4 to 5 business days with the updated credit report with the bankruptcy remove thank you. XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX you can email me back here XXXX me and my dad also went to the courthouse and the courthouse notified both of us that the bankruptcy belongs to him. They try to fix the error, but its not fixed in the system. I am not saying there isnt a bankruptcy on my credit report that is accurate please do not just verify the bankruptcy on that please do a re-investigation and report accurately I would love to get in contact with XXXX the owner or someone under him. I have a copy of this letter so no one can say that they didnt receive it and it will be shipped out certified. I would love for you guys to please take what I do not want off of my credit report. Plus, I was never given the option to opt out from any reporting agencies are companies reporting personal information XXXX ]. '' XXXX. Obligations with respect to disclosures of personal information ( 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. 
248.124 Reasonable opportunity to opt out.

( a ) In general. You must not use eligibility information that you receive from an affiliate to make marketing solicitations to a consumer about your products or services unless the consumer is provided a reasonable opportunity to opt out, as required by 248.121 ( a ) ( 1 ) ( ii ). 

( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : Please have all the company is responsible for this reporting violation to remove immediately. I also see on the Cfbp website that there was a lawsuit against Credit companies please hold all companies accountable

Company response to consumer: Closed with explanation