Consumer complaint received 2025-01-24 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: CA

Complaint narrative:
Now according to the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX 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. '' Unfortunately I am victim of unfair practices.I am a consumer and XXXX and Equifax Just to remind you I have a right to not have my information shared with third parties this is also backed ( XXXX XXXX XXXX ) which states '' 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. " XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : IN ACCODANCE with the WRITTEN instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies Equifax 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 whether it be verbal, non-verbal, written, implied or otherwise is revoked effective immediately. Another reminder ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a reference A financial institution may 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. '' I have yet to be informed of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states '' Except as authorized under subsection XXXX XXXX XXXX no consumer reporting agency may 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 seven years. '' This account is an adverse item they are reporting again without my permission and is against the law. So I am now bringing it to the attention after long hours of research according to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX '' and this is why I as the consumer I am demanding that reporting agency shall maintain reasonable procedures designed to avoid violations of XXXX XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under XXXX XXXX of this title. Equifax and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " I may exercise the right to opt out at any time. '' I will like to be shown the validity of alleged debt and would like to see all forms of communication and I am asking for phone records as well

Company response to consumer: Closed with explanation