Consumer complaint received 2024-05-02
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. (HI)

See attached files for dates and times ranging from XXXX - XXXX of communication between myself and XXXX, Equifax, XXXX, XXXX XXXX Bank, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX third parties agencies that the above furnishers provided my utilization history to without offering me the right to opt out, as commanded in XXXX XXXX Code XXXX ( a ) ( b ) - Obligations with respect to disclosures of personal information, XXXX XXXX Code XXXX ( a ), XXXX XXXX Code XXXX ( b ) These third party collection agencies include : XXXX XXXX XXXX XXXX XXXX XXXX XXXXy, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX, Equifax, and XXXX violated XXXX by failing to adhere to all of the listed guidelines set up to protect my consumer rights as per the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX ( a ), it emphasizes the importance of ensuring that consumer reporting agencies handle their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. XXXX, Equifax and XXXX, being consumer reporting agencies, must adhere to these principles. Under XXXX XXXX XXXX, it's XXXX 's policy that financial institutions uphold their customers ' privacy and safeguard their nonpublic personal information. The entities providing information to credit agencies fall under this definition of financial institutions. 
According to XXXX XXXX XXXX section XXXX ( a ) ( XXXX ), consumer reporting agencies are only permitted to furnish consumer reports based on the explicit written instructions of the concerned consumer. Therefore, neither the financial institution nor the consumer reporting agencies, XXXX, Equifax and XXXX, have obtained my consent or written authorization to furnish this information. I hereby revoke any previous consent, whether expressed verbally, non-verbally, in writing, or implied. 
Furthermore, XXXX XXXX XXXX ( b ) ( c ) stipulates that financial institutions must inform consumers about their right to opt out of information disclosure to nonaffiliated third parties. However, the entity providing information to credit agencies failed to provide me with this option. 
The reporting of adverse items without my permission also violates XXXX XXXX XXXX ( a ) ( XXXX ), which restricts consumer reporting agencies from including certain information in reports without authorization. 
Title XXXX XXXX, specifically under XXXX XXXX XXXX XXXX, it is illegal for certain transactions to be reported on a consumer credit report without the written permission of the consumer involved. I was never offered nor did i give permission in any form Moreover, according to XXXX XXXX XXXX XXXX ( a ) ( XXXX ), it's unlawful to furnish inaccurate information to consumer reporting agencies. XXXX, Equifax and XXXX are failing to maintain reasonable procedures, as required by XXXX XXXX XXXX XXXX, to prevent violations of FCRA sections XXXX and XXXX. 

Additionally, all of this has caused me massive emotional distress and suffering due to these companies abusing their position and violating me. My life has been a nightmare and I have suffered because of the violation of Title XXXX XXXX, specifically under XXXX XXXX Code XXXX, where it is illegal for certain transactions to be reported on a consumer credit report without the written permission of the consumer involved. This provision outlines permissible purposes for consumer reports, which include instances where the transaction consists of a firm offer of credit or insurance and where the consumer has granted consent.