Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5240316
Complaint Overview
Complaint ID: 5240316
Company: Equifax, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Georgia
ZIP Code: 30281
Date Received: 2022-02-19T12:00:00-05:00
Date Sent to Company: 2022-02-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I, XXXX XXXX, a consumer and customer of this financial institution, have a right to privacy pursuant XXXX XXXX Code XXXX ( XXXX ) ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) as it speaks on my individual right to privacy. My private information regarding this account has been furnished without my lawful authority or my written consent. I am aware that my written instruction is needed to furnish any information to a consumer reporting agency. No lawful authority or written consent constitutes Identity theft in accordance with XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) ( XXXX ) and similar to XXXX XXXX XXXX XXXX XXXX, which is a fraud committed or attempted using the identifying information of another person without authority. I have not given my written lawful authority for this information to be furnished. I am aware that in accordance with the XXXX XXXX, I, the consumer have the right to know where and how to direct disclosure of my nonpublic information and should have been given an explanation of how to exercise that nondisclosure option. I have not received such an explanation. Please provide the written instructions that I, the consumer gave to XXXX XXXX XXXX which has authorized this furnished account. If you can not provide me with these instructions written by me prior to this notice, this has been a fraudulently made consumer report using my identifying information and account XXXX XXXXXXXX XXXX XXXX must be deleted from all consumer reporting agencies immediately. This is my written instruction to opt out of credit reporting for this account. If my instruction to opt out of credit reporting can not be honored, I request a statement on your companys letterhead signed under penalty of perjury stating why it can not. I am aware, the making of any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ). I am also aware that whoever violates XXXX XXXX Code XXXX such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under XXXX XXXXXXXX XXXX XXXX ( XXXX ) to fines under Title XXXX XXXX XXXX with fines up to XXXX for a felony by an organization or imprisoned for XXXX years or both. Sincerely, XXXX : XXXX
Frequently Asked Questions
What is Complaint #5240316 about?
Complaint #5240316 was filed against Equifax, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2022-02-19T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.