Consumer complaint received 2023-12-23 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:
According to the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX states " 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. '' Equifax and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states " It is the policy of the XXXX 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that " In general Subject to subsection ( c ), XXXX  consumer reporting XXXX  may furnish a consumer report under the following circumstances and no other : in accordance with the XXXX  instructions of the consumer to whom it relates. '' ( Furnisher of information to credit XXXX  ) the XXXX XXXX and the Consumer reporting  XXXX  Equifax and XXXX do not have my consent to furnish this information and they surely do not have my XXXX  consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to XXXX  XXXX  ) whether it be XXXX XXXX XXXX XXXX  or otherwise is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated XXXX XXXX unless the consumer is given an explanation of how the consumer can exercise that XXXX  option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my XXXX  option. Not only that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states '' Except as authorized under subsection ( b ), no consumer reporting XXXX  may make any consumer report containing XXXX  of the following items of information XXXX  other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A states " A person shall not furnish XXXX  information relating to a consumer to XXXX  consumer reporting XXXX  if the person knows or has reasonable cause to believe that the information is XXXX. XXXX XXXX XXXX XXXX states '' XXXX consumer reporting XXXX  shall maintain reasonable procedures designed to avoid violations of section XXXX of this XXXX  and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this XXXX. Equifax and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at XXXX  time. '' I am opting out of XXXX  reporting services.

Company response to consumer: Closed with explanation