Consumer complaint received 2025-08-17 00:00:00
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.
State: LA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX XXXX Last XXXX Of SS XXXX Equifax Information Services LLC XXXX. XXXX XXXX, GA XXXX TO WHOM IT XXXX CONCERN : This correspondence serves as formal legal notice that Core Credits mobile application contains multiple violations of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). Your apps disclosure language, as displayed in your XXXX credit score based on Equifax data popup, violates mandatory federal disclosure requirements. 
EVIDENCE : Screenshot of app disclosure dated XX/XX/year> showing violative language. 

I. SPECIFIC FCRA VIOLATIONS IDENTIFIED A. Section XXXX ( b ) - Maximum Possible Accuracy Requirement VIOLATION : Your app provides credit scores while simultaneously disclaiming their accuracy with the statement : third parties are likely to use a different credit score when evaluating your creditworthiness. 

LEGAL STANDARD : FCRA 607 ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information in consumer reports.

VIOLATION ANALYSIS : Providing scores you acknowledge are likely inaccurate to consumers violates the fundamental accuracy requirement and constitutes misleading consumer information.

B. Section 604 ( b ) - Permissible Purpose DisclosurXXXX Violations XXXX : Inadequate disclosure regarding third-party access to consumer data. 

DEFICIENT LANGUAGE : third parties are likely to use a different credit score Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income. 

LEGAL REQUIREMENTS VIOLATED : Must identify specific third parties with access Must disclose specific permissible purposes for access Must provide clear opt-out mechanisms Vague third parties language insufficient under federal law XXXX XXXX XXXX - Consumer Disclosure Rights Violations VIOLATION : Failure to provide complete disclosure of : All parties receiving consumer information Specific purposes for which information is shared Consumer rights regarding data access and correction Sources of information beyond Equifax XXXX XXXX XXXX ACT XXXX GLBA XXXX VIOLATIONS A. Privacy Rule Section XXXX Violations VIOLATION : Failure to provide required privacy notice to consumers. 

MISSING REQUIRED ELEMENTS : XXXX Sharing Disclosure : Must clearly identify what information is shared with whom XXXX. XXXX Rights : Must provide clear mechanism for consumers to opt-out of information sharing XXXX. Safeguards Notice : No disclosure of how consumer information is protected XXXX. Third-Party Categories : Must specify categories of third parties receiving information B. XXXX XXXX XXXX XXXX Violations XXXX : No visible disclosure of administrative, technical, and physical safeguards protecting consumer information. 

XXXX. DECEPTIVE PRACTICES VIOLATIONS A. Misleading Score Representation DECEPTIVE PRACTICE : Providing XXXX XXXX based on Equifax data while disclaiming its usefulness creates consumer confusion and potential reliance on inaccurate information. 

CONSUMER HARM : Users XXXX make financial decisions based on scores you acknowledge are likely not what lenders use. 
B. Buried XXXX Violations DECEPTIVE PRACTICE : Critical information about data sharing and score limitations buried in popup disclosure rather than prominent, clear presentation. 

REGULATORY STANDARD : Material disclosures must be clear, conspicuous, and prominent - not hidden in popup windows. 
IV. STATUTORY VIOLATIONS AND PENALTIES A. FCRA XXXX Liability ( Section XXXX ) Per Violation Penalties : Willful Non-Compliance : $ XXXX {$1000.00} per violation plus punitive damages Negligent Non-Compliance : Actual damages plus attorney fees Class Action Exposure : Violations affect all app users XXXX XXXX Penalties ( Section XXXX ) Civil Penalties : Up to {$100000.00} per violation per day Criminal Penalties : For knowing violations XXXX XXXX XXXX Violations Louisiana XXXX Trade Practices Act : Additional penalties for deceptive consumer practices Common Law Claims : Negligent misrepresentation, consumer fraud V. IMMEDIATE CORRECTIVE ACTIONS DEMANDED A. App Disclosure Corrections ( Within 15 Days ) REQUIRED CHANGES : XXXX. Remove Misleading Score Disclaimer XXXX provide accurate scores or stop providing scores entirely Can not disclaim accuracy while still providing potentially harmful information XXXX. Provide XXXX XXXX XXXX XXXX specific companies/categories receiving consumer data Identify exact purposes for data sharing Provide clear opt-out mechanisms XXXX. Implement Proper GLBA Privacy Notice Comprehensive privacy notice meeting federal requirements Clear, conspicuous presentation ( not buried in popups ) Prominent opt-out provisions XXXX. Add Required Consumer Rights Disclosures FCRA rights summary Contact information for disputes Data source disclosures B. XXXX XXXX XXXX ( Within 30 Days ) XXXX. XXXX XXXX XXXX XXXX review of all third-party data sharing arrangements Implementation of proper consumer consent mechanisms Correction of any unauthorized data sharing XXXX. Privacy Policy Overhaul GLBA-compliant privacy policy XXXX opt-out procedures Regular consumer notifications of policy changes XXXX. Staff Training Implementation FCRA compliance training for all personnel XXXX privacy requirements education Consumer protection law compliance protocols VI. CONSUMER HARM AND DAMAGES A. Documented Harm Privacy Violations : Unauthorized sharing of personal financial information without proper disclosure or consent Reliance Damages : Potential financial decisions based on scores you acknowledge XXXX be inaccurate Statutory Violations : Per XXXX violations of federal consumer protection laws regardless of actual damages B. Class Action Implications Affected Population : All Core Credit app users subject to same violative disclosures Pattern and Practice : Systematic violation of federal disclosure requirements Injunctive Relief : Need for app-wide corrective action XXXX. LEGAL CONSEQUENCES OF NON-COMPLIANCE A. Federal Enforcement Action Risk CFPB XXXX : Consumer Financial Protection Bureau oversight and penalties FTC XXXX : Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX : Louisiana XXXX services regulation violations B. XXXX XXXX XXXX XXXX XXXX XXXX : FCRA and XXXX violations with statutory damages Class Action Litigation : Systematic violations affecting multiple consumers Attorney Fee Recovery : FCRA XXXX XXXX provides for prevailing party attorney fees XXXX XXXX XXXX XXXX XXXX  Days : CFPB complaint filing if no response XXXX  Days : FTC complaint and state regulatory notifications XXXX  Days : Legal counsel consultation for federal court action XXXX. RESPONSE REQUIREMENTS A. Mandatory Response Elements ( Within XXXX  Days ) XXXX. Written acknowledgment of this notice XXXX. Corrective action plan with specific timeline XXXX. App modification schedule for disclosure corrections XXXX. Legal compliance verification from corporate counsel B. Documentation Required XXXX. Current privacy policy and proposed revisions XXXX. Third-party data sharing agreements requiring consumer disclosure XXXX. Compliance procedures for FCRA and GLBA requirements XXXX. Corporate XXXX certification of corrective action implementation XXXX. PRESERVATION NOTICE LITIGATION HOLD NOTICE : Preserve all documents, communications, policies, procedures, and electronic records relating to : XXXX XXXX collection and sharing practices App disclosure development and approval Privacy policy creation and modification Third-party data sharing agreements Consumer complaint handling procedures

Company response to consumer: Closed with explanation