Consumer complaint received 2024-08-28 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: CA

Complaint narrative:
Dear XXXX XXXX XXXX I've noticed XXXX is releasing information to the 3rd party credit bureaus which are on my credit report : I DID NOT CONSENT to do so which is in violation. 15 U.S. Code 6801- Protection of nonpublic personal information a ) Privacy obligation policy 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. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

In addition, XXXX sent a repossession agent to take my motor carrier on XX/XX/2024 XXXX within seconds of me leaving into the USPS . The Co-Owner and myself proceeded to tell them to stop and not to take the motor carrier. One agent held me against my will as I was trying to access my carrier while the other agent entered his vehicle and ran my foot down over.

There was a witness who had observed and gave a statement to law enforcement. 
( Video Footage Available Upon Request ) XXXX XXXX  claim department was contacted and concluded with their investigation. XXXX XXXX offered {$5000.00} coverage for medical expenses. 
Since the that date, I suffer from severe emotional distress from the public humiliation caused by XXXX and its repossession agents. 

This was a direct violation of : ( California Commercial Code 9609 ) Breaching the peace means that the repossession can not involve bodily force or threats and they can not take property over your oral objections. The objection does not have to be loud or done with force. You must simply tell the repossession agent not to take the car.

Company response to consumer: Closed with explanation