Consumer complaint received 2023-12-21 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:
According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax is a consumer reporting agency, and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' non-public personal information. '' XXXX XXXX XXXX Bank is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) ( 2 ) states that " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX Bank, the financial institution, and the consumer reporting agencies such as Equifax do not have my consent to furnish this information, and they surely do not have my written consent. Any and all consent to Equifax, and XXXX XXXX XXXX Bank, whether verbal, non-verbal, written, implied, or otherwise, is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a NON-AFFILIATED third party unless the consumer is given an explanation of how the consumer can exercise that non-disclosure option. '' XXXX XXXX XXXX Bank never informed me of my right to exercise my non-disclosure option. Not only that, 15 USC 1681c ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( a ) ( 1 ) states, " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax is not maintaining reasonable procedures. Also, 12 CFR 1016.7 states, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. And lastly 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states, Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does NOT include any, report containing information solely as to transactions or experiences between the consumer and the person making the report meaning Payments and Usage on the Consumers account are not to be reported and from the looks of it, they have and those are a violation of this title.

Company response to consumer: Closed with explanation