Consumer complaint received 2024-01-06 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:
According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states '' It is the policy of the XXXX 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. '' The companies listed are financial institutions by definition under that title. XXXX XXXX XXXX section XXXX a section XXXX states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' These companies listed are financial institutions and the XXXX reporting agencies Equifax, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX and these companies whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' These companies Never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), no consumer reporting agency XXXX make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' The accounts listed are adverse items they are reporting again without my permission which is against the law. XXXX XXXX Code XXXX ( A ) ( XXXX ) A states " 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. XXXX XXXX XXXX XXXX states '' XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services for the following accounts and personal nonpublic information : Remove all non-mailable address equifax has XXXX listed XXXX has XXXX listed and XXXX has XXXX listed the only current mailable address is XXXX XXXX XXXX XXXX, Fl XXXX Remove all phone numbers that no longer belong to me XXXX has XXXX listed Remove all employers listed Remove all inquiries per XXXX XXXX XXXX Remove all collection accounts affirm and ccs per XXXX XXXX and XXXX XXXX XXXX Remove all charge off accounts Capital XXXX and Grow Financial FCU. They are charged off and now considered ( Certificates of Indebtedness ) income which is not allowed to be listed on a credit report. 
Remove US Dept of XXXX per The Family Educational Rights and Privacy Act, this reporting violates my rights to privacy per XXXX XXXX XXXX g ( b ). It's also listed inaccurately by each reporting agency. 
Remove these accounts and info from my consumer report. I am opting out of all of the above being reported on my consumer report per XXXX XXXX XXXX and XXXX XXXX XXXX. 
Remove all transaction history and credit utilization for the XXXX XXXX XXXX Bank and the Bank XXXX XXXX credit card accounts mark them as pays as agreed per XXXX XXXX XXXX ( XXXX ) ( A ) ( i ) ". This is effective immediately and indefinitely. 
These adverse items which are being reported without my permission has not only damaged my right to extend credit but it has made me lose trust and hope in the banking system. I have been denied for credit and loans because of this and my character has not only been defamed but my mental and physical health has suffered greatly. There is no law that says a consumer reporting agency must furnish information about a consumer which is why XXXX made it very clear that your company assumed this vital role pursuant to XXXX XXXX XXXX ( a ) ( XXXX ). Also your company failed to be fair and respect my right to privacy according to XXXX XXXX XXXX ( a ) ( XXXX ). I'm requesting valid proof and documentation that these negative items were investigated fairly and properly. Also provide me with the system and details your company uses to determine if transactions took place or not. Your company is in violation of several federal laws including the responsibility you have to protect my privacy. I'm giving your company the opportunity to make this matter right. Included are denial letters and my letters sent to each reporting agency and the furnishing companies.

Company response to consumer: Closed with non-monetary relief