Consumer complaint received 2024-03-24
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. (TX)

XXXX has unlawfully shared my nonpublic personal information without my consent, without my parent 's consent, and when I opted out they unlawfully continued to report. Now that my student loan is paid in full, not only are they in violation of 20 U.S. Code 1232g - Family Educational and Privacy Rights, but also they are in violation of the Common Law for reporting inaccurate information! I have submitted multiple reports on this same company and I will not stand for such gross violations of my rights any longer.

15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information states : " 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 ; ( 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. '' All companies involved with the violation of this law have negatively affected my life and the life of my family. This includes the Credit Bureaus and XXXX, and the XXXX Department of Education. 

According to 15 U.S. Code 1681s2 : " 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. '' Because I have fully discharged my obligation with XXXX, they are violating this law as well. 

20 U.S. Code 1232g ( b ) states " ( 1 ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of permitting the release of education records ( or personally identifiable information contained therein other than directory information ) of students without the written consent of their parents to any individual, agency, or organization, other than to the following ( A ) other school officials, including teachers within the educational institution or local educational agency, who have been determined by such agency or institution to have legitimate educational interests, ( B ) officials of other schools or school systems in which the student seeks or intends to enroll, upon condition that the students parents be notified of the transfer, and have an opportunity for a hearing to challenge the content of the record ; ( C ) authorized representatives of ( I ) the Comptroller General of the United States, ( II ) the Secretary, or ( III ) State educational authorities, under the conditions set forth in paragraph ( 3 ), or ( ii ) authorized representatives of the Attorney General for law enforcement purposes under the same conditions as apply to the Secretary under paragraph ( 3 ) ; ( D ) in connection with a students application for, or receipt of, financial aid ; ( E ) State and local officials or authorities to whom such information is specifically allowed to be reported or disclosed ... '' and says absolutely nothing about sharing the nonpublic personal information to credit bureaus for no other purpose than to affect one 's credit score. All of the credit bureaus that have kept this false information active are implicated under the same law. The information sharing was opted out of and the CFPB was already made aware of this in the supporting documents submitted with my last complaint about XXXX in regard to my credit report. 

XXXX has stolen over {$49000.00} in securities in XXXX submitted for payment on my loan in an attempt to make me pay them in a particular coin or currency which according to the United States Congress is " inconsistent with the declared policy of congress... in the payment of debts. '' as of XX/XX/XXXX. This is unacceptable and causes me stress, and material loss due to the negative effect it has on my score.