Consumer complaint received 2024-12-31 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: PA

Complaint narrative:
I am submitting a formal complaint regarding significant concerns over potential violations of privacy laws and insufficient disclosure of consumer opt-out rights. These issues, along with inaccuracies in reporting, raise serious questions about compliance with federal regulations. 

Primary Concerns Insufficient Disclosure of Opt-Out Rights XXXX appears to lack adequate disclosure of consumers ' rights to opt out of information sharing, as required under 15 U.S.C. 6802 ( b ) & ( c ) and 12 CFR 1016.7. Proper disclosure is crucial for informed decision-making, and its absence undermines transparency.

Potential Violations of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681, XXXX must ensure fairness, impartiality, and respect for consumer privacy. Concerns include : Section 602 ( a ) : Protecting consumer privacy.

Section 1681c ( a ) ( 5 ) : Prohibitions on adverse information reporting without proper authorization.

Potential Violations of the Privacy Act of 1974 TransUnions privacy notices indicate potential non-compliance with privacy practices outlined under the Privacy Act of 1974, 16 CFR Part 313, and 16 CFR 433.2.

Identity Theft Concerns Protecting personal information under 5 U.S.C. 522a is critical. Any misuse of identity constitutes a serious federal violation. 

Reporting of Transactional Information Congress prohibits financial institutions from reporting certain non-public consumer information under 15 U.S.C. 6801. XXXX potential violations necessitate investigation. 

Accuracy in Reporting Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), XXXX is obligated to furnish accurate information. Inaccurate reporting breaches consumer trust and federal law. 

Accounts in Question I believe the following accounts violate my federally protected privacy rights and must be updated to reflect accurate statuses, including " paid as agreed '' and " current '' : Account Name : XXXX XXXX : {$7300.00} Date Opened : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX. 
Balance : {$570.00} Date Opened : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Balance : {$29000.00} Date Opened : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Balance : {$6500.00} Date Opened : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Balance : {$10000.00} Date Opened : XX/XX/XXXX Account Number : XXXX Request for Action In light of these issues, I respectfully request that XXXX : Update all the above accounts to reflect paid as agreed, current, and open/never late status. 

Correct all inaccuracies in my credit report and mail me a copy of the updated report and credit file, reflecting these revisions. 

Provide documentation outlining XXXX policies regarding consumer opt-out rights, as required by law. 

Thank you for addressing these concerns promptly. I expect written confirmation of actions taken within 14 days from the date of this letter.

Company response to consumer: Closed with non-monetary relief