Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received my consumer reports from all XXXX of the major Credit reporting agencies and found numerous violations on my report, they are as follows : Pursuant to the Fair Credit Reporting Act, specifically XXXX XXXX XXXX, section XXXX, it is imperative to ensure that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and due regard for the consumer 's right to privacy. 

Equifax, XXXX, and XXXX, recognized as consumer reporting agencies, are entities with which I, as the consumer, maintain a relationship. It is essential to assert my right to safeguard private information, a right substantiated by XXXX XXXX XXXX, whereby XXXX mandates financial institutions to affirmatively and continually respect the privacy of their clientele. 

In the context of the Furnishers of information to credit agencies, identified as financial institutions under relevant regulations, as per XXXX XXXX XXXX, section XXXX ( XXXX ), the disclosure of consumer reports is contingent upon the receipt of written instructions from the concerned consumer. It is pertinent to underscore that neither verbal nor written consent, in any form, has been provided, and unequivocally, all consent is hereby revoked. 

Under the stipulations of XXXX XXXX XXXX ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information unless consumers are apprised of the mechanisms enabling the exercise of the nondisclosure option. Regrettably, the Furnisher of information to credit agencies failed to inform me of my right to exercise this option. 

Furthermore, the violation of XXXX XXXX XXXX ( a ) ( XXXX ), which prohibits consumer reporting agencies from including adverse information without authorization, is evident. The reported adverse item lacks the requisite permission, thereby contravening the statutory framework ( ie none of the accuracies on my report are indicative of ANY crime, and are adversely affecting my ability to obtain credit and MUST be removed promptly ). 

Drawing attention to XXXX XXXX Code XXXX ( A ) ( XXXX ) A, it is explicitly stated that no entity shall furnish information to a consumer reporting agency if it is known or reasonably believed to be inaccurate. Equifax and XXXX, in this regard, XXXX be in contravention of the aforementioned statute. 

In light of XXXX XXXX XXXX XXXX, it is mandated that consumer reporting agencies maintain reasonable procedures to prevent violations and restrict the furnishing of consumer reports to specific purposes outlined in section XXXX. Notably, Equifax and XXXX appear to be deficient in maintaining such reasonable procedures. 

Finally, as per XXXX CFR XXXX, the right to opt out of reporting services is expressly granted to consumers. In accordance with this provision, I hereby exercise my right to opt out of the reporting services provided by the aforementioned agencies.

Company response to consumer: Closed with explanation