Consumer complaint received 2024-08-15 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: MI

Complaint narrative:
Per the Fair Credit Reporting Act XXXX XXXX XXXX SEC XXXX clearly states that " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and respect for the consumer 's right to privacy. '' Equifax, XXXX, and XXXX are consumer reporting agencies, and I am the XXXX. As the XXXX I have the right to make sure my private information isn't shared which per XXXX XXXX XXXX back it by stating " It is the policy of 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. " XXXX XXXX XXXX XXXX XXXX XXXX is a financial institution by definition under that title. XXXX USC XXXX SEC XXXX section XXXX states that that " In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX ) XXXX XXXX XXXX  and the Consumer reporting agencies EQUIFAX, XXXX, XXXX do not have my consent to furnish this information, and they absolutely Do Not have my written consent. Any and all consent to EQUIFAX, XXXX, XXXX, and XXXX XXXX  XXXX XXXX WHETHER IT BE VERBAL, NON- VERBAL, WRITTEN, XXXX WRITTEN XXXX IMPLIED, OR OTHERWISE IS REVOKED. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX NEVER XXXX ME OF MY RIGHT TO EXERCISE MY NON-DISCLOSURE OPTION. Not only that per XXXX XXXX XXXX ( a ) ( XXXX ) states '' XXXX as authorized under subsection ( b ), but no consumer reporting agency may also 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. '' This account is in adverse item they are reporting again without my permission which is against the law. XXXX USC XXXX 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 USC XXXX states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of the consumer reports to the purposes listed under section XXXX of this title. '' EQUIFAX, XXXX, AND XXXX ARE NOT maintaining reasonable procedures. And to add XXXX XXXX states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services.

Company response to consumer: Closed with explanation