Consumer complaint received 2024-08-03 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:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
Account name : XXXX XXXX XXXXXXXX account number XXXX, Account name : XXXXXXXX XXXX XXXX  account number XXXX, Account name : XXXX account number : XXXX, Account name : XXXX XXXXXXXX account XXXX, Account name : XXXX account number XXXX, Account name : XXXX account number : XXXX, account name : XXXX  account number : XXXX, account name : XXXX account number : XXXX, Account name : XXXX account number : XXXX, Account name : XXXX  account number : XXXX, Account name : XXXX  account number : XXXX, Account name : XXXX account number : XXXX, Account name : XXXX  account number XXXX, Account name : XXXX account number : XXXX, Account name : XXXX account number XXXX, Account name : XXXX  account number : XXXX, Account name : XXXX account XXXX, Account name : XXXX account number : XXXX, Account name : XXXX  account number : XXXX I looked on my credit report on XXXX, Equifax, & XXXX and I noticed something that are incorrect and not accurate information .and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ).

And according to 15 usc 1681 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverified information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of consumer. 15 usc 6802 : stated A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless. This bank and agencies violated this law by transferring and sharing my non public information without giving me 3 disclosures by not allowing me to opt out.

And 15 USC 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions .also 15 USC 1666B ( a ) : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose .18 usc 1028A : Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.Also I sent multiple disputes letter certified mail with return receipt asking for hard evidence.all credit bureau has not provided me no proof but still verified these accounts accurate.

Company response to consumer: Closed with explanation