Consumer complaint received 2025-03-13 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IN XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Unauthorized Access to My Records by XXXX XXXX  Request for Student Loan Removal Dear Consumer Financial Protection Bureau , I am writing to formally submit a complaint regarding the unauthorized access and potential misuse of my personal financial records by XXXX XXXX  and/or his affiliates. This action appears to be a clear violation of federal financial privacy laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6827 ). 

Details of the Complaint I have reason to believe that XXXX XXXX and/or his associates have accessed my personal and/or financial records without my knowledge, authorization, or any permissible purpose under federal law. 
This unauthorized access may involve my credit report, student loan records, financial transactions, or other protected personal data under FCRA and GLBA. 
I have not provided any consent for XXXX XXXX, his companies ( XXXX, XXXX, XXXX  ( formerly XXXX ), XXXX  ), or any of his affiliates to access my financial records. 
Due to this unauthorized access, I can not verify the legitimacy of my student loans and request their immediate removal, deletion, or discharge from my credit report. 
If my student loans were altered, created, or misused due to this unauthorized access, this is a serious violation of my rights and financial security. 

Violations of Federal Laws 1. Fair Credit Reporting Act ( FCRA ) Violations ( 15 U.S.C. 1681b ) The FCRA strictly limits access to consumer reports to entities that have a permissible purpose, such as employment screening, credit transactions, or insurance underwriting.

Unauthorized access to my records constitutes a violation of 15 U.S.C. 1681b ( f ), which prohibits obtaining a consumer report under false pretenses or without a legally valid reason.

If this access was obtained fraudulently, 15 U.S.C. 1681q states that any person who knowingly and willfully obtains a consumer report under false pretenses is subject to criminal penalties.

2. Gramm-Leach-Bliley Act ( GLBA ) Violations ( 15 U.S.C. 6801-6827 ) The GLBA mandates that financial institutions protect consumer data and prohibits unauthorized access to nonpublic personal information ( NPI ). 
If my financial records were accessed without consent, this would violate 15 U.S.C. 6821, which prohibits obtaining customer information by false or fraudulent means.

Additionally, under 15 U.S.C. 6802, financial institutions must obtain explicit consumer consent before sharing nonpublic financial information. 

Requested Actions by CFPB I am requesting that the CFPB : 1. Investigate whether XXXX XXXX or any of his associated companies have unlawfully accessed my financial records. 
2. Obtain a full report from relevant credit reporting agencies ( Equifax, XXXX, and XXXX ) to determine if my consumer records, including student loans, have been accessed improperly. 
3. Remove, delete, or discharge all student loans from my credit report as I can not verify their legitimacy after this unauthorized access. 
4. Enforce legal penalties for any violations of FCRA, GLBA, or other consumer protection laws.

5. Provide me with any evidence of unauthorized access so I can take appropriate legal action.

This matter is of serious concern, and I urge the CFPB to take swift action to protect my financial privacy and prevent further unauthorized access. Please confirm receipt of this complaint and provide me with updates on the investigation. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation