Consumer complaint received 2024-02-07 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: NY

Complaint narrative:
I received a copy of my ( XXXX, Equifax, XXXX ) credit report, and noticed a collection that needs to be deleted. It is as follows : XXXXXXXX XXXX XXXX : Account Number - XXXX Equifax has violated my consumer rights and violated federal law ; I have proof in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is noted below. 

15 U. S. Code 1681b ( 2 ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL SUBJECT TO SUBSECTION ( C ), ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.

I did NOT give Equifax written authorization or written instructions to report this information. 

You have not only violated the Fair Credit Reporting Act, but your agency has committed aggravated identity theft and I've sustained defamation of my character, just to name a couple damages should this matter escalate to court. 

XXXX XXXX XXXX has violated my consumer rights as well, which is noted below in 15 USC 6802, so you are both liable for a lawsuit in conspiring against me if this matter doesn't get resolved privately now. 


15 U.S Code 6802 - Obligation with respect to disclosures of personal information. THE LAW CLEARLY STATES : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless - Such financial institution clearly and conspicuously disclosures to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information not be disclosed to such third party ; The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such disclosed to such third party ; and The consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

A : XXXX XXXX XXXX did not disclose to me the consumer that the information reported would be disclosed to the third party, AKA the consumer reporting agencies. 

B : XXXX XXXX XXXX did not give me an opportunity to direct that such information not be disclosed. 

C : XXXX XXXX XXXX did not give me the consumer the explanation of how i could exercise the non disclosure option The law basically states that if all XXXX of these disclosures were not provided to me, that is a direct violation of the law and I have the right to exercise opting out. 

All 3 of these disclosures were not met, therefore i am demanding to opt out of having my information reporting and demanding the reporting information to be DELETED from my consumer report OR I will seek to take legal action against your agency for willfully violation the law after I've clearly explained to you how you've violated me numerous times.

Company response to consumer: Closed with non-monetary relief