Consumer complaint received 2024-08-06 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: AR

Complaint narrative:
Demand for Immediate Removal of Unauthorized Information XXXX Account # XXXX am writing to formally dispute the unauthorized sale and reporting of the XXXX account ( # XXXX ) on my Equifax credit report. The account is marked as Account Transferred Or Sold - Student Loan, which indicates a transfer or sale of my private information without my consent. This action is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and privacy laws. I demand the immediate removal of this account from my credit report and request an investigation into this unauthorized action. 

Issues Identified 1. Unauthorized Sale and Reporting : The account is reported as Account Transferred Or Sold - Student Loan on my Equifax credit report. This action was taken without my knowledge or consent, constituting a breach of privacy and a violation of my rights.

2. Breach of Privacy : The unauthorized transfer or sale of my account information without my explicit consent is a severe violation of my privacy rights. The disclosure of this sensitive information to third parties without authorization is unacceptable. 

Violations and Impact The unauthorized sale and reporting of the XXXX account without my consent violate the FCRA and privacy laws. The indication that my private information was sold or transferred without permission has caused significant concern and potential harm to my credit profile. Such unauthorized actions can lead to unauthorized access to personal and financial information, causing undue stress and potential identity theft risks. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The unauthorized sale and reporting of the account violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Mandates that consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Requires that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies. 
6. Right to Privacy : The unauthorized transfer or sale of my account information without consent is a violation of my privacy rights, which includes the protection of sensitive information from unauthorized disclosure.

Company response to consumer: Closed with non-monetary relief