Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am writing to lodge a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Account # XXXX for violations of my rights under the Fair Credit Reporting Act ( FCRA ). I believe these companies violated the FCRA, specifically 15 U.S.C. 1681, in the following manner : Right to Privacy : According to 15 U.S.C. 1681a, Section 602 ( A ) of the FCRA guarantees individuals the right to privacy concerning their credit information. However, it has come to my attention that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has egregiously infringed upon this right by improperly handling and disclosing my personal credit information. Such actions not only undermine my confidence in the security of my financial data but also constitute a breach of trust in the credit reporting process. 

Failure to Obtain Written Instructions : As outlined in 15 U.S.C. 1681b, Section 604 ( A ) ( 2 ) of the FCRA, consumer reporting agencies are prohibited from furnishing credit information without obtaining written instructions from the consumer. Despite this clear requirement, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has evidently failed to adhere to the law by reporting information about my account without obtaining my explicit written consent. This blatant violation not only disregards my rights as a consumer but also raises concerns about the accuracy and integrity of the information being reported. 

These violations by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX not only undermine the principles of fairness and transparency enshrined in the FCRA but also have the potential to adversely impact my financial standing and reputation XXXX Therefore, I respectfully request that the Consumer Financial Protection Bureau launch a thorough investigation into this matter and take appropriate enforcement actions to ensure their compliance with the FCRA. 

Enclosed with this letter, please find supporting documentation, including copies of relevant credit reports, correspondence with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and any other evidence substantiating my claims. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently pursue this dispute and safeguard consumers ' rights in accordance with the FCRA. 

Should you require any further information or assistance, please do not hesitate to contact me at the above-listed contact information.