Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
To : Experian XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Subject : Demand to Cease Reporting My XXXX Account & Legal Penalties for Non-Compliance Dear [ Credit Bureau Representative ] and Discover Representative, I am formally invoking my right under 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act, GLBA ) to opt out of having my financial information disclosed to third parties, including credit reporting agencies. I am demanding that XXXX cease all reporting of my account, and that all credit bureaus remove Discovers data from my credit file.

Legal Obligation to Honor My Opt-Out Request Under 15 U.S.C. 6802 ( a ) - ( b ), financial institutions are prohibited from disclosing a consumers nonpublic personal information to nonaffiliated third parties if the consumer opts out. 

I never provided XXXX with authorization to share my personal financial data. 
I am now explicitly revoking any assumed consent, and this letter serves as my formal opt-out request under federal law. 
Penalties for Non-Compliance with the GLBA Opt-Out Request If XXXX or any credit bureau refuses to comply with this request, the following legal consequences apply : 1. Civil Penalties ( 15 U.S.C. 6805 ) The Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorneys General can impose fines of up to {$100000.00} per violation against financial institutions that fail to comply with GLBA privacy requirements. 
2. Criminal Penalties ( 15 U.S.C. 6823 ) Any officer or director who knowingly and willfully violates the GLBAs privacy protections can be personally fined up to {$10000.00} and imprisoned for up to 5 years.

Additional Violations and Penalties In addition to GLBA violations, XXXX has engaged in other unlawful practices : Failure to Provide Notice of Payment Due ( 15 U.S.C. 1666b, Truth in Lending Act ) XXXX failed to provide a billing statement at least 21 days before the due date.

If no verifiable proof ( e.g., tracking information ) is provided, the reported late payment must be deleted.

Failure to Notify Me Before Reporting Negative Information ( 15 U.S.C. 1681s-2 ( a ) ( 7 ), Fair Credit Reporting Act ) XXXX was required to notify me at least 30 days before reporting negative information to credit bureaus. 
Failure to do so makes the negative entry invalid and subject to immediate removal. 
My Formal Demands Remove the late payment entry immediately due to legal violations. 
Cease all reporting of my XXXX account per my opt-out request under 15 U.S.C. 6802.

Provide written confirmation within 30 days that my request has been honored. 
If XXXX and the credit bureaus refuse to comply, I will : File formal complaints with the CFPB, FTC, and my State Attorney Generals Office. 
Pursue legal action seeking damages for GLBA, TILA, and FCRA violations.

This letter serves as formal notice. Non-compliance may result in severe financial and legal penalties under federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation