Consumer complaint received 2024-02-26
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. (AZ)

On XX/XX/XXXX I sent a cease and desist letter to EQUIFAX, XXXX XXXX, and XXXX XXXX XXXX demanding they stop the furnishing of my non-public personal information, specifically my adverse transaction history. Reporting transaction history is illegal per the FCRA ( Fair Credit Reporting Act ) and The Privacy Act of 1974. Title 15 U.S. Code 6801 : 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 and XXXX XXXX XXXX failed to comply with federal laws and never gave an explanation of an nondisclosure option which is illegal. Title 15 U.S. Code 6802 ( b ) : 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. Nonpublic personal information defined by Title 15 U.S. Code 6809 : a personally identifiable financial information provided by a consumer to a financial institution, resulting from any transaction with the consumer, or otherwise obtained by the financial institution. XXXX and XXXX XXXX XXXX are the financial institutions and I'm the Consumer. The financial institutions listed furnished my non-public personal information with EQUIFAX and other CRA 's ( credit reporting agencies ). EQUIFAX never had the proper consent to report my non-public personal information especially my adverse transaction history which is illegal. 15 U.S. Code 1681b ( a ) : 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 written instructions of the consumer to whom it relates. Supported by Title 15 U.S. Code1681c ( a ) 5 : " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. '' I'm now opting out of the furnishing of my non-public personal information, specifically the adverse furnishing of my transaction history, any consent that I may have given ; written, non-written, verbal, and non-verbal is now revoked effective immediately and in defiantly. Or until further written notice from I the consumer to the financial institutions listed and to the CRA 's listed. It's crucial the financial institutions and consumer reporting agencies are held to the highest of standards when it comes to the furnishing of a consumers non-public personal information. They both have a responsibility to protect the consumers privacy and personal information to prevent identity theft and other financially motivated crimes. The CRA 's are responsible for reporting accurate information on behalf of the consumer, with the consumers written consent. Tile15 U.S. Code 1681s-2- ( A ) : " 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. I have instructed EQUIFAX that they are inaccurately reporting my address, phone number, and employer. The only mailable address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona. All other addresses are non-mailable and inaccurate. I kindly request that you take this matter seriously and correct it promptly. It's important to note that it's not just my consumer rights being violated. I hope you'll also take the time to inform the CRAs and the financial institutions of the ongoing issues and the damage it does to the consumer when operating with no integrity. Enclosed are my cease-and-desist letters addressed to EQUIFAX, XXXX XXXX XXXX, and XXXX XXXX. Thank you for your attention to this matter.