Consumer complaint received 2024-02-27 00:00:00
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.
State: MI

Complaint narrative:
Equifax credit reporting agency has refused to comply with federal law and consumer laws violating my rights as a consumer. The company has violated my privacy rights under The Privacy Act of 1974. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). Congress advises any of my private information is not for public. The reporting agency is a non governmental entity, meaning Eye must give you consent to report the account to my consumer report. According to 15 U.S. code 6801, It is the policy of the 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,15 U. S. code 6802 follows by adding that, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX are nonaffiliated third-party 's, therefore they do not have permission to report to my consumer report. There is no contractual agreement of obligation to these debt collection agency 's for any amount. 15 U.S. code 6802 ( 1 ) also follows to insure the security and confidentiality of customer records and information. XXXX XXXX XXXXXXXX was provided information illegally from XXXX, which according to " XXXX XXXX '' and their privacy policy advises that my information is regarded as confidential and therefore they will not disclose my information to third parties unless if legally required to do so. The original Creditor " XXXX  " provides they do not sell, share or rent my personal information to any third party or use my email address for unsolicited mail. XXXX XXXX  XXXX is a third party non-affiliate of " XXXX XXXX '', and shall not be reporting to my consumer report. XXXX internet services has breached their contractual agreement as they advise they do not sell my information. As follows XXXX XXXX XXXX is not Authorized to do business or collect on any debt in the state of Michigan. Michigan law advises that a collection agency must be licensed to do business in the state that they are trying to collect from a consumer. As follows the original Creditor " XXXX XXXX '' has breached their contractual agreement by providing my non-public information to a non-affiliated ( third party ), named " XXXX XXXX XXXX XXXX. XXXX XXXX advises they protect my personal information from unauthorized access and use, they use security measures that comply with federal law, these measure include security safeguards and secured files. " XXXX XXXX '' provides THEY DO NOT SHARE WITH NON-AFFILIATES such as ; Equifax and XXXX XXXX XXXX XXXX ( the collection agency ). XXXXXXXX XXXX  affiliates are ; XXXX XXXX XXXX XXXX XXXX XXXX  AND COMPANIES WITH THE XXXX XXXX  XXXX. XXXX XXXX XXXX XXXXXXXX, the collection agency is not an affiliate, neither is Equifax. Equifax has in their efforts furnished my consumer report with inaccuracies, by reporting both of these collection accounts as " open '' accounts, which is a huge violation and a reporting error. The FCRA insures that a consumer report is of pure accuracy. Eye will highlight there is no contractual agreement with these collection company 's. Equifax violates law within, 15 U.S. code 6802b, which advises there must be 3 disclosures first before any of my information can be exchanged regarding an account and Eye must first agree to having the information of the reported account disclosed to the public. Eye have not agreed to having these accounts disclose or provided any written consent. Therefore XXXX XXXX XXXX and XXXX XXXX XXXX XXXX must be removed from my Consumer report for these inaccuracies indicated within this report and Equifax a non-affiliated, ( Third party ) of " XXXX XXXX " the original creditor of the collection agency " XXXXXXXX XXXX XXXXXXXX '' and XXXX XXXX XXXX XXXXXXXX, the original creditor " XXXX XXXX '' must be removed from my consumer report effective immediately.

Company response to consumer: Closed with explanation