Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: TN
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:
Pursuant to 15 U.S. Code 1681 ( a ) ( 3 ), Equifax have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
I never gave Equifax permission or Consent to report anything about me on any consumer report. 

Also, Pursuant to 15 USC 1681 ( a ) ( 4 ) States that 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. 

XXXX Consumer Report about me is unfair and impartial because I was never consulted to verify if the information was accurate or if even I wanted the information reported at all. 

Equifax has not exercised their grave responsibility as evidenced by allowing organizations/corporations to furnish adverse information without verifying that consent has been given and to maintain a record of such consent. Resulting in Equifax furnishing inaccurate and unverified accounts to my consumer report. 

Equifax has shown a complete lack of respect to my right to privacy by reporting these accounts and inquiries without my consent or written instructions these actions by Equifax are also violations of the Gramm-Leach Bliley Act referenced by : 15 U.S. Code 6801- Protection of Nonpublic Personal Information ( a ) Privacy Obligation Policy wherein it states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Equifax has shown a clear pattern of disregard of my personal non public information.

I would also like to bring attention to the fact that Pursuant to : 15 U.S. Code 6802 - 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.

( 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.

After reviewing Equifax Data Sharing Policy, it was made clear that Equifax shares personal credit data with corporations that have the consumers consent to request, receive and use it for the particular purpose ( s ) for which it will be used. An corporations may obtain a data subject 's consent in a variety of ways, but we encourage them to use a method that is clear and which can be recorded.

When Equifax shares data with an corporation based on the consumer consent, we require the corporations to keep a record of the consent and to provide a copy of it to us upon request.

I would like to request an Audit to confirm the consent from each account listed in this complaint. Also, confirmation that is clear on how my consent to data sharing would affect me and that is recorded.

Pursuant to 15 U.S Code 6802 ( b ) ( 1 ) ( B ) I was not given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; Pursuant to 15 U.S Code 6802 ( b ) ( 1 ) ( C ) I was not given an explanation of how the consumer can exercise that nondisclosure option. 


If no consent is found in Equifaxs records, I demand that these accounts be deleted immediately Account Name Account Number XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX  XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Inquiries XXXX XXXX XX/XX/2022 Capital XXXX Bank XXXX XX/XX/2022 2022

Company response to consumer: Closed with explanation