Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Name XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Notice to agent is notice to principal Notice to principal is a notice to agent Dear Sir/Madam : To whom this may concern You XXXX are furnishing Inaccurate and incorrect information to the consumer reporting Agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal & household uses. 
You and Your Inaccurate reporting have damaged my livelihood. 


Account name XXXX XXXX Account number XXXX Account amount {$7300.00} Account name XXXX XXXX Account number XXXX Account amount {$2700.00} Account name XXXX XXXX Account number XXXX Account amount {$99.00} 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of 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. 
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to ensure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

15 U.S. Code 6802b - Obligations with respect to disclosures of personal information ) ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless the such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

This means that you the financial institution may not disclose any information through any affiliate. 


The definition of Affiliate is stated to be by the knowledge of congress as The term affiliate means any company that controls, is controlled by or is under common control with another company.

The definition of a nonaffiliated Third Party is stated to be by the knowledge of congress as follows : The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 
( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party Unless.

( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.

( So by congress law and knowledge you are reporting inaccurate information that is disclosed between the agreement and account we have as a consumer and financial institution. Because in bold I never receive those disclosers on how this can not be reported by MY CHOICE. ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Which I was not given when I accepted the student Loan if so I would have not had the info reporting to my consumer report.

I was never given any form to opt out nor any emails, mail, or marketing saying I could.

I never received these two documents : ( Truth & Lending Discloser, nor the Bailed Act First Discloser ) this account by definition must be removed in the next ten days of receiving this letter in express mail In conclusion, I have shown You and You have been put on Notice that you are reporting inaccurate information. The information is in fact, inaccurate.

The continued reporting of this inaccurate information is a clear violation of the laws below.

15 U.S. Code 6802b - Obligations with respect to disclosures of personal information ) 15 U.S. Code 6801 - Protection of nonpublic personal information You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to cure and delete the erroneous, inaccurate account from my consumer report.

YOU HAVE 10 CALENDAR days to delete this account from my consumer report! 


Best Regards, XXXX XXXX XXXX : XXXX