Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #14321064

Complaint Overview

Complaint ID: 14321064

Company: Equifax, INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a company's investigation into an existing problem

Sub-Issue: Investigation took more than 30 days

State: Florida

ZIP Code: 32707

Date Received: 2025-06-26T12:00:00-05:00

Date Sent to Company: 2025-06-26T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XXXX XXXX XXXX XXXX I GOT ACCESS TO MY CREDIT REPORT AND SAW THESE ACCOUNTS REPORTING INACCURATE OVER 30 DAYS AGO. PLEASE HELP ME INVESTIGATE THESE FRAUD ACCOUNTS REPORTING ON MY CREDIT REPORT!!! IM REQUESTING THESE CORPORATIONS TO PROVIDE ME FULL DISCLOSURE DOCUMENTS OF THESE FRAUD ACCOUNTS BEING OPEN WITH MY PERMISSION AND CONSENT WITH MY WRITTEN SIGNATURE AND A COPY OF THE ENTIRE INVESTIGATION RESULTS PLEASE!! THIS IS A VIOLATION FCRA 605 ( B ) THESE ACCOUNTS ARE REPORTING FRAUD ON MY CREDIT REPORT PLEASE REMOVE : * * XXXX XXXX XXXX XXXX * * * Account # XXXXXXXX XXXX XXXX Balance : {$14000.00} * * * * Open:XXXX * * - * * XXXX XXXX XXXX XXXX XXXX * * ACCNT # :XXXX * * * * OPEN:XXXX * * * * BALANCE : {$110.00} * * THESE ARE THE INQUIRIES : * * XXXXXXXX XXXX DATE : XXXX * * - * * XXXX DATE : XXXX * * * * XXXX XXXX INQUIRY DATE : XXXX XXXX XXXX DATE:XXXX XXXXXXXXXXXX XXXX DATE XXXX.. PLEASE REMOVE ALL THESE FRAUD ACCOUNTS AND INQUIRIES OUT OF MY CREDIT REPORT!! ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 USC 1681B-Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 15 USC 1681N Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 15 USC 6802 ( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. 15 USC 1681B- Intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. SINCERELY, XXXX XXXX

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