Consumer complaint received 2024-05-17
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. (NC)

Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX XXXX, Personal Loans Companies XX/XX/XXXX Equifax XXXX XXXX Personal Loans Companies XX/XX/XXXX Equifax XXXX Personal Loans Companies XX/XX/XXXX Equifax XXXX XXXX Personal Loans Companies XX/XX/XXXX Equifax XXXX Personal Loans Companies XX/XX/XXXX Equifax XXXX XXXX XXXX Personal Loans Companies XX/XX/XXXX Equifax XXXX Personal Loan Companies XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX other than personal XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX XXXX XXXX other than personal XX/XX/XXXX XXXX XXXX. Disclosures to governmental agencies [ 15 U.S.C. 1681f ] Notwithstanding the provisions of section 604 [ 1681b ] of this title, a consumer reporting agency may furnish identifying information respecting any consumer, limited to his name, address, former addresses, places of employment, or former places of employment, to a governmental agency.

609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 
( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.

610. Conditions and form of disclosure to consumers [ 15 U.S.C. 1681h ] ( a ) In General ( 1 ) Proper identification. A consumer reporting agency shall require, as a condition of making the disclosures required under section 609 [ 1681g ], that the consumer furnish proper identification.

( 2 ) Disclosure in writing. Except as provided in subsection ( b ), the disclosures required to be made under section 609 [ 1681g ] shall be provided under that section in writing.

( b ) Other Forms of Disclosure ( 1 ) In general. If authorized by a consumer, a consumer reporting agency may make the disclosures required under 609 [ 1681g ] The Privacy Act of 1974 The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.

All OSC 's System of Records Notices ( SORNs ) are published in the Federal Register. These notices provide the legal authority for collecting and storing records, individuals about whom records will be collected, what kinds of information will be collected, and how the records will be used.