Consumer complaint received 2024-01-16 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to officially dispute the information contained in my consumer report, as provided by your agency. After a careful examination of my report, it has come to my attention that undisclosed personal information about me has been shared with a non-affiliated third party without my explicit written consent. This raises concerns as it appears to violate the regulations outlined in 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to be informed about and control the disclosure of my personal information. The disclosure to a non-affiliated third party without affording me the opportunity to opt-out, as mandated by law, raises significant privacy concerns. 

Upon a detailed review of the report, I observed that specific accounts are being reported without obtaining my written consent. It is essential to clarify that my dispute is directed towards your reporting agency for disseminating and reporting information without proper authorization, not with the creditor. 

Referring to 15 USC 1681b - Permissible Purpose, which mandates a consumer 's written consent for the reporting of personal information, I have not granted such consent. I kindly request documentation to verify my consent, demonstrating compliance with this legal requirement. Failure to provide evidence of my consent may be construed as a violation of my rights under the FCRA. 

I have already filed a report with the Federal Trade Commission ( FTC ) on this matter, and the reference number for my complaint is XXXX. I believe the unauthorized disclosure and reporting of my personal information may constitute a violation under 18 USC 1028a, potentially constituting identity theft.

Pursuant to 15 USC 1681c-2, I formally request the removal of the following accounts from my consumer report within XXXX business days from the date of this letter : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX I Account number XXXX XXXX Account name : XXXX XXXX XXXX I Account number XXXX XXXX UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/ XXXX Inquiry date XX/XX/ I affirm my right to a fair and accurate credit reporting process, emphasizing that the swift removal of these accounts is crucial to rectifying the reported inaccuracies. 

Furthermore, I request documentation regarding your method of verification for the disputed accounts and records showing proof of my option to opt-out of the information being reported in my consumer report. This will ensure that your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. 

I anticipate your prompt attention to this matter and the resolution of my dispute within the specified time frame of four business days. Non-compliance with the provisions of the FCRA may result in further legal action. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation