Consumer complaint received 2024-10-26
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. (MO)

I see that Equifax had readded XXXX & XXXX XXXX to my collections even after I had complained about this matter and Equifax ended up removing this collection to just park on my consumer report again without my written permission/consent. My federally consumer rights are being infringed upon once again. Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802 which I have already stated to this Company in reference to this Collection prior to this complaint. I opt out of all, and any XXXX XXXX  XXXX XXXX being reported on my consumer report per 12 CFR 1016 and 15 USC 6802. I see that XXXXXXXX XXXX  XXXX XXXX is on my reports even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-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 ''. Equifax is a consumer reporting agency, 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 ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax is not maintaining reasonable procedures by reputing this on my consumer report after complaints/removal has already been made. This report violates the UCC/USC/CFR laws .