vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that someone stole my identity and opened many accounts without my permission or authority, no police report or fraud affidavit is possible and no information or document is in my possession. XXXX XXXX, XXXX XXXX are not my accurate names : XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX These addresses are UNKNOWN to me. I never lived at these addresses : XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block and remove these accounts from my credit report on my credit report which are UNKNOWN to me.One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX and XXXX ). I have never with these accounts, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of the Fair Credit Reporting Act, please.

A copy of my Utility Bill, Drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by TransUnion/XXXX  not blocking these accounts is inadvertently resulting in me being extorted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that someone stole my identity and opened many accounts without my permission or authority, no police report or fraud affidavit is possible and no information or document is in my possession. XXXX XXXX, XXXX XXXX are not my accurate names : XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX These addresses are UNKNOWN to me. I never lived at these addresses : XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX Please block and remove these accounts from my credit report on my credit report which are UNKNOWN to me.One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX and XXXX ). I have never with these accounts, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of the Fair Credit Reporting Act, please.

A copy of my Utility Bill, Drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by XXXXExperian not blocking these accounts is inadvertently resulting in me being extorted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  with account XXXXXXXX XXXX XXXX and dept of education / XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  Account # : XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A : States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681s ( 2 ) : States In accordance with the Fair Credit Reporting Act, XXXX  Account # : XXXX has violated my rights. 

15 U.S.C. 1681 section 604 A : States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : States ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  Account # : XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A : States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681s ( 2 ) : States In accordance with the Fair Credit Reporting Act, XXXX  Account # : XXXX has violated my rights. 

15 U.S.C. 1681 section 604 A : States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681a ( 2 ) ( A ) ( i ) : States ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
{$100.00} was charged by a company XXXX on XX/XX/XXXX. I filed a dispute on XX/XX/XXXX as I have to my knowledge never conducted business with a company called XXXX. Goldman Sachs rejected my dispute without sending any follow up information that supports the charges legitimacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
I opened a 18 month interest free account with XXXX XXXX for an engagement ring. I signed a contract with the Sales Manager at XXXX who also confirmed 18 months interest free. My next 3 statements all have finance charges. I contacted Comenity Bank and every Customer Service Rep says my account did not qualify for the 18 month interest free account. The Sales Manager at XXXX also sent Comenity a copy of the contract and they still refuse to reverse the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX INFORMATION SERVICES, LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX ACCT # XXXXXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. Fl. XXXX DEAR SIR/MA'AM, I XXXX XXXXConsumer to XXXX am writing to XXXX several incorrect/inaccurate, incomplete items listed in the above-referenced XXXX ACCT. XXXX, EQUIFAX, AND XXXX are each reporting completely different information in several sections within my Consumer Reports. XXXX, EQUIFAX, AND XXXX EACH FAILED TO MARK THIS ACCOUNT AS DISPUTED PREVIOUSLY AND DELETE IT IMMEDIATELY. If each agency is reporting accurate, complete, correct information how is that? PAYMENT HISTORY IS COMPLETELY INCORRECT, INACCURATE, AND INCOMPLETE. XXXX SHOWS NO HISTORY AT ALL, XXXX SHOWS YEARS OF CHARGE-OFF STATUS, AND EQUIFAX SHOWS YEARS OF ALL ON-TIME PAYMENTS. DATES LAST ACTIVE LAY DORMANT AS IF THE ACCOUNT IS JUST PARKED HERE TO CAUSE A NEGATIVE ALGORITHM FEEDBACK. EACH AGENCY HAS A COMPLETELY DIFFERENT DATE HERE AS WELL. ONE OF THE BIGGEST VIOLATIONS OF THEM ALL FROM XXXX, EQUIFAX, AND XXXX COMMENT SECTIONS DOES NOT SHOW WHERE I PREVIOUSLY DISPUTED THIS ACCOUNT SEVERAL TIMES. THE LAST DATE REPORTED IS COMPLETELY DIFFERENT ON XXXX, EQUIFAX, AND XXXX. HOW CAN THIS BE IF EACH AGENCY IS REPORTING ACCURATE, COMPLETE, CORRECT INFORMATION? PAYMENT STATUS IS A CHARGE OFF AS INCOME IS NOT ALLOWED TO BE REPORTED ON ANY CONSUMER REPORT YET EACH AGENCY STILL REPORTS THIS ACCOUNT. THE PAST DUE AMOUNTS ARE INCORRECT, INACCURATE, AND INCOMPLETE OF XXXX, EQUIFAX, AND XXXX. THE HIGH CREDIT SECTION IS INCORRECT, INCOMPLETE, AND INACCURATE ON XXXX, EQUIFAX, AND XXXX. THE BALANCE SECTIONS ON XXXX, EQUIFAX, AND XXXX ARE ALL DIFFERENT, INACCURATE, INCOMPLETE, AND INCORRECT. THE ACCOUNT NUMBER FOR THIS ACCOUNT IS DIFFERENT ON EACH AGENCY 'S REPORT AS WELL.XXXX, EQUIFAX, AND XXXX HAVE TOTALLY AND COMPLETELY NEGLECTED THIS ACCOUNT IN EVERY WAY POSSIBLE. DUE TO SO MANY INACCURACIES AND MORE IMPORTANTLY XXXX, EQUIFAX, AND XXXX ALL FAILED TO MARK THIS ACCOUNT AS BEING DISPUTED PREVIOUSLY. PLEASE PERMANENTLY DELETE/REMOVE THIS ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. 

IF YOUR AGENCY FAILS TO COMPLY WITH THE BEST METHOD TO RESOLVE THIS ISSUE BY DELETING THE ENTIRE ACCOUNT IMMEDIATELY. FOR SEVERAL FCRA VIOLATIONS PLEASE SEND IMMEDIATE CORRESPONDENCE AS I WILL MOVE ON TO FURTHER ACTIONS. CURRENTLY, YOU ARE IN VIOLATION OF THE FCRA AS PER USUAL CEASE ALL CONSUMER REPORTING IMMEDIATELY. 

COMPLAINTS SENT TO EACH COMPANY ARE LISTED BELOW Federal Trade Commission ( FTC ) Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ACCT # XXXXXXXXXXXXXXXX EXPERIAN XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. Fl. XXXX DEAR SIR/MA'AM, I XXXX XXXX/Consumer to XXXX am writing to dispute several incorrect/inaccurate, incomplete items listed in the above-referenced XXXX ACCT. XXXX, XXXX, AND EXPERIAN are each reporting completely different information in several sections within my Consumer Reports. XXXX, XXXX, AND EXPERIAN EACH FAILED TO MARK THIS ACCOUNT AS DISPUTED PREVIOUSLY AND DELETE IT IMMEDIATELY. If each agency is reporting accurate, complete, correct information how is that? PAYMENT HISTORY IS COMPLETELY INCORRECT, INACCURATE, AND INCOMPLETE. XXXX SHOWS NO HISTORY AT ALL, EXPERIAN SHOWS YEARS OF CHARGE-OFF STATUS, AND XXXX SHOWS YEARS OF ALL ON-TIME PAYMENTS. DATES LAST ACTIVE LAY DORMANT AS IF THE ACCOUNT IS JUST PARKED HERE TO CAUSE A NEGATIVE ALGORITHM FEEDBACK. EACH AGENCY HAS A COMPLETELY DIFFERENT DATE HERE AS WELL. ONE OF THE BIGGEST VIOLATIONS OF THEM ALL FROM XXXX, XXXX, AND EXPERIAN COMMENT SECTIONS DOES NOT SHOW WHERE I PREVIOUSLY DISPUTED THIS ACCOUNT SEVERAL TIMES. THE LAST DATE REPORTED IS COMPLETELY DIFFERENT ON XXXX, XXXX, AND EXPERIAN. HOW CAN THIS BE IF EACH AGENCY IS REPORTING ACCURATE, COMPLETE, CORRECT INFORMATION? PAYMENT STATUS IS A CHARGE OFF AS INCOME IS NOT ALLOWED TO BE REPORTED ON ANY CONSUMER REPORT YET EACH AGENCY STILL REPORTS THIS ACCOUNT. THE PAST DUE AMOUNTS ARE INCORRECT, INACCURATE, AND INCOMPLETE OF XXXX, XXXX, AND EXPERIAN. THE HIGH CREDIT SECTION IS INCORRECT, INCOMPLETE, AND INACCURATE ON XXXX, XXXX, AND EXPERIAN. THE BALANCE SECTIONS ON XXXX, XXXX, AND EXPERIAN ARE ALL DIFFERENT, INACCURATE, INCOMPLETE, AND INCORRECT. THE ACCOUNT NUMBER FOR THIS ACCOUNT IS DIFFERENT ON EACH AGENCY 'S REPORT AS WELL.XXXX, XXXX, AND EXPERIAN HAVE TOTALLY AND COMPLETELY NEGLECTED THIS ACCOUNT IN EVERY WAY POSSIBLE. DUE TO SO MANY INACCURACIES AND MORE IMPORTANTLY XXXX, XXXX, AND EXPERIAN ALL FAILED TO MARK THIS ACCOUNT AS BEING DISPUTED PREVIOUSLY. PLEASE PERMANENTLY DELETE/REMOVE THIS ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. 

IF YOUR AGENCY FAILS TO COMPLY WITH THE BEST METHOD TO RESOLVE THIS ISSUE BY DELETING THE ENTIRE ACCOUNT IMMEDIATELY. FOR SEVERAL FCRA VIOLATIONS PLEASE SEND IMMEDIATE CORRESPONDENCE AS I WILL MOVE ON TO FURTHER ACTIONS. CURRENTLY, YOU ARE IN VIOLATION OF THE FCRA AS PER USUAL CEASE ALL CONSUMER REPORTING IMMEDIATELY. 

COMPLAINTS SENT TO EACH COMPANY ARE LISTED BELOW Federal Trade Commission ( FTC ) Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance With the fair credit reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Acct name : XXXX XXXX XXXX XXXX. 
account number XXXX account type-XXXX Company addressXXXX XXXX XXXX XXXX XXXX XXXX, XXXX fl XXXX Phone XXXX XXXX Acct Name XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT TYPE : Collection acct # XXXX  Contact information : XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX  acct type : SECURED CARD address : XXXX XXXX XXXX XXXX XXXX ca XXXX phone number XXXX XXXX XXXX  XXXX XXXX Amount {$2000.00} XXXX XXXX XXXX XXXX date of inquiry XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX, va XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 Not authorized address:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15.U.S.C 1681 section 602 A States i have the right to privacy.

15 .U.S.C 1681 SECTION 2 : It also states a consumer reporting Agency Can not Furnish A Acct without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX for committing identity theft. I have never given XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

THIS COMPANY HAS ALSO VIOLATED A PREVIOUS CEASE AND DESIST NOTICE THAT WAS SENT IN THE PAST BY CONTINUALLY FURNISH FALSE INFORMATION TO MY CONSUMER REPORT REGARDING A FALSE RELATIONSHIP WITH MYSELF AND THIS COMPANY. THIS COMPANY HAS ALSO NEVER PROVIDED A TRILATERAL CONTRACT WITH MY WET SIGNATURE ON IT AUTHORIZING THEM TO HAVE ANY OF MY PERSONAL AND PRIVATE INFORMATION. AS A FEDERALLY PROTECTED CONSUMER, I HAVE A RIGHT TO PRIVACY. REF. PRIVACY ACT 1974. 
I have never received any documentation requesting validation from XXXX XXXX before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. However, XXXX XXXX  has openly admitted to committing identity theft when responding to a complaint with " XXXX  purchased these accounts, together with the right to collect the balance due on the accounts ''. Ref Complaint No. XXXX. If XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notif

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I viewed a recent credit report and identifies inquiries in my report that were not authorized by me and was requested fraudently. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Years ago, I closed an account with chase. My password and user id no longer worked. Chase began sending emails soliciting me for credit and monitoring me. The only way to unsubscribe was to open my account and change my preferences, which I could not do since my username and password no longer worked. I finally found a number to call and was promised they would stop. This was about 3 months ago. now the emails have started all over again. There seems to be nothing I can do to stop them. They are also monitoring my credit. I want them to stop monitoring me and stop the emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance With the fair credit reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07 00:00:00
Product: Credit reporting, credit repair services, 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:
In accordance With the fair credit reporting act XXXX  Account # XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681Section 604 A. Section 2. It Also States A Consumer Reporting Agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation