Consumer complaint received 2024-05-09 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax COMPLIANCE DEPT RE : NOTICE - Gramm Leach Bliley Act NON-COMPLIANCE REPORTING. This is a NOTICE & DEMAND to equifax that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act statute ( s 1. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX 2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 XXXX  Account Number : XXXX Please remove it from my credit report. 
7. Late Payment Law Letter 15 U.S. Code 1666 ( b ) billing error XXXXXXXX XXXX  Account Number : XXXX Please Remove The Late Payment 8. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 XXXX Account Number : XXXX Please remove it from my credit report. 
9. Late Payment Law Letter 15 U.S. Code 1666 ( b ) billing error XXXX XXXX Account Number : XXXX Please Remove The Late Payment 10. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 XXXX  Account Number : XXXX Please remove it from my credit report.

Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does equifax allow these non-compliant institutions to report on my credit profile and put my privacy at risk? Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that equifax PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). Equifax are in direct violation of the GLBA act GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses

Company response to consumer: Closed with non-monetary relief