Consumer complaint received 2025-09-01 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: MO

Complaint narrative:
This Letter was sent on XX/XX/year> at XXXX XXXX  central time. 
Per the FCIA as a federally protected consumer. I am now opting out of any and all authorisation I the consumer may have given you, written, unwritten, verbal and nonverbal. Per 15 USC6802. I was never given an option to opt out and I have never given you any written, unwritten, verbal or nonverbal permission to release my credit report to anyone. And if anyone has told you anything different I ask what documents they have provided you for you to release my information, and I need to see a copy of these said documents. Per 15USC1681 ( a ) Accuracy and Fairness Reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continue functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) 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.15USC1681B ( 1 ) In general A consumer reporting agency may furnish a consumer report relating any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if - ( A ) the consumer authorises the agency provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 15USC6802-Obligatons with respect to disclosures of personal information ( a ) Notice Requirements, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a unaffiliated third party and nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt Out ( 1 ) In General, a financial institution may not disclose nonpublic personal information to an non-affiliated third party unless- ( A ) such financial institution clearly and conspicuously disclosed to the consumer, in writing or in electronic form or other form permitted by the regulations presided under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. So in short I never once gave any such prior authorization to release my credit information to anyone, or was I given the opportunity, before the time that such information was initially disclosed, the option to not disclose such information to such third party/parties

Company response to consumer: Closed with explanation