Consumer complaint received 2025-05-27 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern, Subject : Formal Complaint Regarding Unauthorized and Inaccurate Credit Reporting I, XXXX XXXX, am writing to file a formal complaint regarding the unauthorized access, reporting, and dissemination of my private and personal information by third-party entities through Equifax, XXXX, and TransUnion, in violation of several federal laws. These credit reporting agencies have reported inaccurate and unauthorized information without my express consent neither written nor verbal thereby infringing upon my rights under multiple U.S. 
privacy and credit reporting laws. 
Violations Include but Are Not Limited to : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 et seq. 

These agencies have reported inaccurate and unverifiable information on my consumer credit file without proper investigation, consent, or notification as required under 1681e ( b ) and 1681i ( a ). 

There is no permissible purpose as outlined in 1681b ( a ), and no proper procedure was followed to verify that consent was provided by me. 
2. Privacy Act of 1974 5 U.S.C. 552a This act prohibits the disclosure of personal records without the consent of the individual to whom the record pertains. At no time did I authorize the release of my information to any third parties or furnishers who submitted information to Equifax, XXXX, or TransUnion. 
3. Consumer Financial Protection Bureau Regulations 12 CFR Part 1022 These inaccuracies and unauthorized disclosures violate the regulatory procedures for consumer dispute resolutions and accuracy responsibilities for furnishers. 
4. FERPA ( Family Educational Rights and Privacy Act ) 20 U.S.C. 1232g ; 34 CFR Part 99 5. 6. 
If any information relating to my education has been used in reporting, it was disclosed without consent, violating FERPA protections. 
FDIC ( Federal Deposit Insurance Corporation ) Regulations 12 CFR If financial institutions reported my information inaccurately or without consent to the CRAs, this would be in violation of consumer protection obligations under FDIC guidelines. 
Stolen Identity 18 U.S. Code 1028 ( Identity Theft and Assumption Deterrence Act ) I reserve the right to assert identity theft if information has been fraudulently attributed to me or used without my knowledge, especially if consent was forged or misrepresented. 
Actions Requested : I hereby formally demand the following : 1. 2. 3. 4. Immediate removal of all inaccurate, unauthorized, and unverifiable items from my credit reports with Equifax, XXXX, and TransUnion. 
A detailed report confirming the deletion of such items, and a copy of the updated credit file for my review. 
Disclosure of the original furnishers and all third parties that provided information, including the nature of the authorization or contract used. 
A written explanation as to how my information was obtained and processed without my consent. 
Additional Complaints Will Be Filed With : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC

Company response to consumer: Closed with explanation