Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
# GRAMM-LEACH-BLILEY ACT OPT-OUT NOTICE # # 15 USC 6802 COMPLIANCE LETTER -- - * * FROM : * * XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Email : XXXX * * DATE : * * XX/XX/year> TO : EXPERIAN, EQUIFAX, AND TRANSUNION ( See addresses below ) EXPERIAN XXXX XXXX XXXX XXXX TX XXXX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX TRANSUNION XXXX XXXX XXXX XXXX PA XXXX * * RE : FORMAL OPT-OUT ELECTION UNDER 15 USC 6802 * * RE : LAST 4 OF SS XXXX # # NOTICE OF OPT-OUT ELECTION To Whom It May Concern : This letter serves as my * * formal and irrevocable election * * to * * OPT-OUT * * of all information sharing practices authorized under the Gramm-Leach-Bliley Act, 15 USC 6802, and your institution 's privacy policies. 

# # SPECIFIC OPT-OUT DIRECTIVES Pursuant to 15 USC 6802 ( b ) ( 1 ), I hereby direct your institution to * * CEASE AND DESIST * * from disclosing any nonpublic personal information about me to any nonaffiliated third parties, including but not limited to : # # # PROHIBITED DISCLOSURES : - * * Marketing purposes * * by third parties - * * Joint marketing agreements * * with nonaffiliated companies - * * Service provider arrangements * * not directly related to my requested transactions - * * Affiliate sharing * * for marketing purposes under FCRA 603 ( d ) ( 2 ) ( A ) ( iii ) - * * Data aggregation services * * or information brokers- * * Consumer reporting agencies * * except as required by law # # # METRO 2 COMPLIANCE NOTATION : This opt-out election applies to all * * consumer reporting * * activities and requires compliance with Metro 2 reporting standards , including proper notation of opt-out status in any credit reporting submissions.

# # LEGAL BASIS AND AUTHORITY This opt-out election is made pursuant to : - * * 15 USC 6802 ( b ) * * - Opt-out requirements for nonpublic personal information - * * 15 USC 6803 * * - Disclosure of institution privacy policy - * * 12 CFR Part 1016 * * - Privacy of Consumer Financial Information ( CFPB Rules ) - * * FCRA 603 ( d ) ( 2 ) ( A ) ( iii ) * * - Affiliate information sharing restrictions # # REQUIRED INSTITUTIONAL ACTIONS Your institution is hereby * * LEGALLY REQUIRED * * to : 1. * * IMMEDIATELY IMPLEMENT * * this opt-out election across all systems and databases 2. * * NOTIFY ALL AFFILIATES * * and third-party service providers of this opt-out status 3. * * UPDATE ACCOUNT RECORDS * * to reflect permanent opt-out status 4. * * CEASE ALL UNAUTHORIZED DISCLOSURES * * within 30 days of receipt 5. * * PROVIDE WRITTEN CONFIRMATION * * of opt-out implementation within 15 business days # # COMPLIANCE VERIFICATION REQUIRED Within * * fifteen ( 15 ) business days * * of receipt, provide written confirmation including : - Acknowledgment of opt-out election receipt and processing - Detailed list of all third parties previously receiving my information - Confirmation that all such parties have been notified of opt-out status - Updated privacy notice reflecting my opt-out election - Metro 2 compliance certification for credit reporting activities # # LEGAL CONSEQUENCES OF NON-COMPLIANCE * * NOTICE : * * Failure to honor this opt-out election may result in : - Violations of 15 USC 6802 ( penalties up to {$100000.00} per violation ) - CFPB enforcement actions and civil penalties - Private right of action under applicable state consumer protection laws- Potential FCRA violations for improper information sharing # # PERMANENT ELECTION STATUS This opt-out election shall remain * * PERMANENT AND IRREVOCABLE * * unless I provide written notice to reverse this election. No verbal confirmations or electronic acceptances will modify this directive.

# # CONTACT REQUIREMENTS All communications regarding this opt-out election must be directed to : * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : XXXX -- - # # CERTIFICATION AND EXECUTION I hereby certify under penalty of perjury that the foregoing is true and correct, and that I am legally authorized to make this opt-out election for the account ( s ) referenced herein. 

* * EXECUTED * * this XXXX day of XXXXXXXX XXXX 

* * PRINTED NAME : * * XXXX XXXX * * DATE : * * XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation