Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
b'SECTION 1:  Second Formal Opt-Out Request  GLBA AND FCRA VIOLATIONS\nThis is my second formal request to opt out of the sharing of my nonpublic personal information with nonaffiliated third parties, as required by the Gramm-Leach-Bliley Act (GLBA) and FCRA.\nMy first request in March 2024 was ignored, and my data has since been disclosed without consent  a clear violation of federal law.\n\n\n EXPERIAN, EQUIFAX and TRANSUNION HAS FAILED TO PROTECT MY PRIVACY.\nAccording to FCRA Section 602(a) (15 U.S.C. 1681), consumer reporting agencies (Equifax, Experian, TransUnion,) must exercise their grave responsibilities with fairness, impartiality, and respect for the consumers (ME) right to privacy.\nUNAUTHORIZED DISCLOSURE OF MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED 3RD PARTIES (EXPERIAN, EQUIFAX,AND TRANSUNION ARE NONAFFILIATED 3RD PARTIES)\nI have the right to ensure that my nonpublic personal information is not shared with non-affiliated third parties, pursuant to 15 U.S.C. 6801(a) of the Gramm-Leach-Bliley Act (GLBA), which states: It is the policy of Congress 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all of which are financial institutions under this title.\nUNAUTHORIZED DISCLOSURE OF MY CONSUMER REPORTS BY EXPERIAN, EQUIFAX, AND TRANSUNION\nFCRA Section 604(a), (15 U.S.C. 1681b), states: 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. \nExperian, Equifax, and TransUnion have furnished my consumer reports without my written instruction, consent, permission, or authorization. I have never signed any document permitting such disclosure, and there is no record of written consent from me authorizing the release of my consumer report to any party.\nI am hereby providing formal notice of revocation of any and all prior authorizationswhether implied, written, verbal, or otherwisepreviously granted to Experian, Equifax, TransUnion, or any data furnisher or financial institution which includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n 15 U.S.C. 6802(b) of the Gramm-Leach-Bliley Act (GLBA) states that "A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise their nondisclosure option.\nI assert that I have never been provided the mandatory privacy notice informing me of my right to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties. Accordingly, any such disclosure by the following entities constitutes a violation of federal law: XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEXPERIAN, EQUIFAX, AND TRANSUNION ARE REPORTING ADVERSE ITEMS IN VIOLATION OF FEDERAL LAW.\nIn addition, under FCRA  605(a)(5) (15 U.S.C.  1681c), consumer reporting agencies are prohibited from including in a consumer report Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. The accounts in question constitute adverse items that are being reported without my authorization, in violation of federal law.\nEXPERIAN, EQUIFAX, AND TRANSUNION ARE IMPROPERLY ACCEPTING AND REPORTING INACCURATE INFORMATION PROVIDED BY FURNISHERS.\nPursuant to FCRA  623(a)(1)(A)  (15 U.S. Code  1681s2) 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.-\nEXPERIAN, EQUIFAX, AND TRANSUNION FAILED TO MAINTAIN REASONABLE PROCEDURES-\nPursuant to FCRA  607(a) (15 U.S. Code  1681e), every consumer reporting agency is required to maintain reasonable procedures designed to avoid violations of  ( 1681c) and to ensure that consumer reports are furnished only for the purposes outlined in ( 1681b).\n\nFurthermore, under 12 C.F.R.  1016.7(Regulation P) a consumer has the right to opt out of the sharing of nonpublic personal information at any time. I am formally exercising my right to opt out of your reporting and information-sharing services.  Thank you!\n\n\n\nACCOUNTS TO BE DELETED: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Creditor Account Number: XXXX XXXX XXXX XXXX XXXX--Unlawful Collections-\nSummary:Unlawful collection attempts on accounts that have been charged off, securitized, and written off for tax purposes, as shown on my consumer report.\nAccording to IRS guidelines, such debts are treated as ordinary income to the creditor, meaning they are no longer validly collectible. Despite this, the companies listed below continue to pursue collection and credit reporting without any valid contract, legal assignment, or permissible purpose.\n\nAccounts Involved:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXViolations Involved:\nFDCPA Violations15 USC 1692e: False or misleading credit information,\nI have no contract with them, Pretending to be in capacity of an attorney,\nFalse representation that a crime was committed, Implying non payment will induce garnishment, Implied threat legal action will be taken,Using Capital One and Credit one as creditor, Failing to communicate debt is disputed,Shaming with false claims, Reporting false info to the credit bureaus, Not telling the credit bureaus its disputed, Distributed fake documents including fake affidavit with no notary stamp. \nFDCPA Violations15 USC 1692g: Failure to validate the debt upon request and  continuing collection activity after dispute \nFCRA Violations:No permissible purpose to access or report  15 U.S.C.  1681b (FCRA  604), Reporting obsolete or adverse information   1681c (FCRA  605), Invasion of privacy  1681a (FCRA  602), Failure to report debt as disputed   1681s-2 (FCRA  623), Failure to notify consumer of negative reporting   1681s-2 (FCRA  623)\nDuplicate or inaccurate reporting; failure to ensure maximum accuracy   1681e (FCRA 607)\nResolution Requested: Provide documentary evidence that I owe debt. I am demanding a full accounting it permanent deletion of the accounts listed above from all credit reporting agencies and debt collectors. These entries are inaccurate, misleading, duplicative, and have been reported in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.\n\nDISPUTE OF ILLEGAL LATE PAYMENT REPORTING\n\nAdverse credit information reported in violation of the Fair Credit Reporting Act (FCRA), the Truth in Lending Act (TILA), and Metro 2 compliance standards.\n\n1. Illegal Reporting of Transaction History (FCRA  603(d)(2)(A)(i))\nUnder 15 U.S.C.  1681a(d)(2)(A)(i), information consisting solely of the consumers transaction or experience with a creditor is excluded from the definition of a consumer report. This includes late payments and credit utilization. \n2. Adverse Reporting Prohibited (FCRA  605)\nConsumer Reporting Agencies are prohibited from including adverse information in a consumer reportother than criminal convictions.\n3. Failure to Provide Statement Prior to Late Mark (TILA  1666b)\nA creditor may not report a payment as late unless they provided a periodic statement at least 21 days before the due date. In this case, XXXX XXXX  failed to do so, invalidating any late reporting.\n\nDISPUTED ACCOUNTS\n1. Specialized Loan Servicing XXXX XXXXAccount Number: XXXXDispute: A 30-day late payment was illegally reported for XXXX XXXXAction Requested: Delete the derogatory entry and update the account status to Paid as Agreed\n\n\n2. XXXX XXXXAccount Number: XXXX XXXX XXXX XXXXDispute: 30-day late payments reported for XXXX XXXX XXXX XXXX XXXX\n\n\nViolation: No periodic billing statement was provided 21 days before either due date, violating 15 U.S.C.  1666b\n\n\nAction Requested: Remove both late payments and update the account to Paid as Agreed\n\n\n\nRESOLUTION REQUESTED\nI am requesting immediate deletion of all unlawful derogatory entries, including all late payments and any transactional history reported in violation of FCRA  603 and 605 and TILA  1666b. Please update the accounts accordingly and provide written confirmation within 30 days, as required by FCRA  611 [15 U.S.C.  1681i].\n\n-In regards to Credit Utilizationit is Illegal for Experian, Equifax, and TransUnion to report transaction history per FCRA 603  Bring utilization to 0%\n\n\n-In regards to personal data-It is illegal for Experian, Equifax, and TransUnion to report other peoples a information in place of the consumer filing this complaint \n\nDelete all personal identifiable information(PII) from my consumer report with the exception of:\n1. My Full Legal NameXXXX XXXX XXXX: Remove all other variants of name.\n2. My AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX IN-, XXXX  Delete all other addresses due to the fact they are nonmailable and out dated.\n3.  My phone numberXXXX XXXX  Delete all other phone numbers which are out dated.\nI demand my date of birth and social security number not be present on my credit file.  Please present SSN like this XXXX XXXX XXXX   Please present DOB as XXXX XXXX XXXX  Please protect my rights and privacy as I am a federally protected consumer.  \n\nThe law states consumer reports must be accurate! Please delete all old inaccurate outdated and irrelevant information from my consumer report! Please update per my inquiry. \nYour ongoing refusal to comply and continued siding with financial institutions despite proof suggests discriminatory practices, in violation of the Equal Credit Opportunity Act (ECOA). Because of these violations, Ive been denied needed credit and loan access'

Company response to consumer: Closed with non-monetary relief