Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear CFPB, In order to provide concrete evidence and express implied concise laws pertaining to credit reporting. This dispute may seem lengthy but thorough and valid in its intent to reveal the violations that have been consistently carried out over the years with no remorse or intent to rectify their ( reporting agencies ) violations. Please bear with me in reading my complaint.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave. 
responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared Which is backed by 15 USC 6801 which 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. '' XXXX XXXX and XXXX are financial institutions under that title. 15 USC 1681 section 604 a section 2 states that " In general, Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the instructions of the consumer to whom it relates. '' XXXX and XXXX the financial institutions and the Consumer reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX and XXXX 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 nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' All of my rights in this particular instance have been violated by the above XXXX agencies. 

XXXX and XXXX never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), but no consumer reporting agency XXXX also 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 XXXX years. '' These accounts are adverse items that are being reported again and again without my permission, which is against the law. Reporting on Equifax, XXXX and XXXX furnished by XXXX and XXXX : Neither has contacted me over the years for permission to furnish or publish my personal information. 

Also, Privacy act of XXXX states as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. Meaning Under the Privacy Act, XXXX agencies XXXX not disclose information without consent unless certain exceptions apply to the disclosure. Enclosed is a letter from the Bankruptcy XXXX stating they do not disclose information to credit bureaus. Bankruptcy reporting is third party information and should be deleted ACCORDING TO LAW! 
Next XXXX is in violation of Family Educational Rights and Privacy Act ( XXXX ) is a federal law enacted in XXXX that protects the privacy of student education records. XXXX applies to any public or private elementary, secondary, or post-secondary school. XXXX violated my rights by reporting my transaction history to XXXX parties. Selling of personal information without consent should be removed. From my credit. 
Please remove the following from my XXXX, XXXX and Equifax reports, respectively. Likewise, XXXX XXXX and XXXX continue as third-party providers of personal information without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 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 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.