Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding the handling of my personal financial information by Equifax, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX and to request assistance in addressing multiple derogatory accounts that have been placed on my credit report without proper cause or authorization. I am deeply concerned about the exposure of my personal and private information without my explicit consent, and I am seeking the immediate removal of the derogatory accounts in question. 

Details of the Issue 1. Derogatory Accounts on Credit Report : I have discovered that derogatory accounts have been added to my credit report without my consent or proper validation. I have attempted to resolve this matter directly with Equifax, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXXy, but despite my efforts, the company has failed to address my concerns, and the derogatory accounts remain on my report. These accounts are inaccurate and unfairly damage my creditworthiness. 

2. Unauthorized Disclosure of Personal and Private Information : In addition to the derogatory marks on my credit report, I have reason to believe that my personal and private information is being disclosed or used without my consent by Equifax, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX. This unauthorized exposure violates my privacy and potentially subjects me to further harm, including identity theft or financial exploitation. 

3. Opt-Out Request : I am formally requesting that certain private information, as specified in the attached letter, be removed from public disclosure and that Equifax, XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX takes immediate steps to protect my personal and financial data. I wish to opt out of any unauthorized data-sharing practices that are exposing my sensitive information.

Relevant Legal Provisions In support of my complaint, I am referencing the following provisions under Title 15 of the U.S. Code, which are directly applicable to my situation : - 15 U.S. Code 1681c Reporting of obsolete information : This section limits the timeframe during which derogatory information can be reported on a consumers credit report. Some of the derogatory accounts on my credit report exceed the allowable reporting period and should be removed.

- 15 U.S. Code 1681b Permissible purposes of consumer reports : My personal information is being accessed and disclosed without my explicit authorization, which is a violation of this section. Any credit inquiries or information sharing should be done only with my consent and for permissible purposes. 
- 15 U.S. Code 1681i Procedure in case of disputed accuracy : I have disputed the accuracy of the derogatory accounts, and [ Insert Company Name ] has failed to conduct a reasonable investigation or correct the information, in violation of this provision.

- 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies : This section outlines the obligations of companies like Equifax, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX to report accurate information to credit reporting agencies. The inclusion of derogatory information that is inaccurate or unverifiable constitutes a breach of this duty.

Company response to consumer: Closed with explanation