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. (PA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX PA XXXX To XXXX, Equifax, XXXX Subject : Demand for Adherence to FCRA Guidelines and Revocation of Consent for Personal Information Sharing I am writing to you as a consumer, deeply concerned about the handling of my personal information by your agency. The Fair Credit Reporting Act ( 15 U.S.C. 1681, Section 602 a ) underscores the profound duty of consumer reporting agencies to manage consumer data with the utmost integrity, ensuring fairness, impartiality, and due regard for privacy. As such XXXX, Equifax and XXXX, being consumer reporting agencies, are expected to adhere to these principles. 

In harmony with 15 U.S.C. 6801 and 12 C.F.R. 1016.10 which limits on disclosure of nonpublic personal information to nonaffiliated third parties. financial institutions must actively and continuously honor the privacy and security of their customers ' private details. As a consumer, I am entitled to assert control over my personal information, and it is my understanding that such control is legally supported. The stipulations of 15 U.S.C. 1681, Section 604 a, Section 2, dictate that consumer reports can only be furnished based on the consumer 's explicit written permission, which I have not extended to XXXX, XXXX and Equifax or to any other organization. I am also including an undenable proof of claim with this letter to show that my info was in fact 100 % shared without my permission. I am also including an invoice for violations under 15 U.S.C. 1681n - Civil liability for willful noncompliance. 

I hereby rescind any form of consent that may have been previously granted to XXXX, Equifax and XXXX, or any other furnisher of information to credit agencies, whether such consent was provided explicitly, implicitly, or is presumed to have been granted through any other means of communication. This revocation is comprehensive and unequivocal. 

According to 15 U.S.C. 6802 ( b ) ( c ), disclosure of nonpublic personal information by a financial institution to third parties not affiliated with it is contingent upon the consumer being informed about their right to opt out, which I was not. 

In alignment with 15 U.S.C. 1681e, it is your responsibility to maintain prudent procedures to prevent violations of section 1681c and ensure that consumer reports are only furnished for authorized purposes as outlined in section 1681b. I am concerned that these procedures have not been adequately upheld in my case.

Lastly, as afforded by 12 CFR 1016.7, I am invoking my right to opt out of your services forthwith. I request that you delete the accounts listed below per 15 U.S.C. 6802 ( b ) ( c ), 15 U.S.C. 1681e your responsibility to maintain prudent procedures to prevent violations of section 1681c as you failed to do so with my credit report! Accounts to be deleted : XXXX XXXX # : XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX XXXXXXXX # : XXXX XXXX XXXX XXXX XXXX # : XXXX I expect a prompt and affirmative response from your side, acknowledging the revocation of consent and confirming the cessation of any sharing of my credit information. I demand a rectification of all procedures to align with the legal obligations set forth by the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX