Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8152491
Complaint Overview
Complaint ID: 8152491
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: 33573
Date Received: 2024-01-11T12:00:00-05:00
Date Sent to Company: 2024-01-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I hope you're doing well. I'm writing to talk about an issue I found in my credit report. My name is XXXX XXXX XXXX, and I noticed that some of my personal information was shared with another company without my permission. I think this goes against the law that says you can't share someone's personal info without their say-so. I read about the rules ( 15 U.S. Code 6802 ) that say my personal info should be protected, but it seems like that didn't happen. The Fair Credit Reporting Act ( FCRA ) also gives me the right to control who gets my info, and it looks like my info went to someone who isn't connected to your company. This worries me because I didn't get a chance to say no, like the law says I should. Just to be clear, I don't have a problem with the companies I owe money to. My concern is with your company for sharing my info without checking with me first. I checked the law ( 15 USC 1681b ), and it says you need my written permission to share my personal info. I never gave that permission, so I need you to prove that I said it was okay. If you can't, it might mean you broke the rules of the FCRA. I already reported this to the Federal Trade Commission ( FTC ), and my complaint number is XXXX. I'm worried this might be a kind of identity theft ( 18 USC 1028a ). I'm officially asking you to take these accounts off my credit report in the next four business days : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX Account Number : XXXX U.S. Bankruptcy Court XXXX Account Number : XXXX I also want you to remove these unauthorized inquiries in the same time frame : XXXX XXXX XXXX - Inquiry date XX/XX/2023 XXXX - Inquiry date XX/XX/2023 XXXXXXXX XXXX - Inquiry date XX/XX/202XXXX XXXX XXXX Inquiry date XX/XX/2023 I have the right to fair and accurate credit reporting, and fixing these mistakes is important for my credit report to be correct. I also need you to show me how you checked that the information you have is right and that I had a chance to say no to it. This is important to make sure credit reports are fair and accurate. I hope we can sort this out quickly, within the four business days I mentioned. If not, I might have to take legal action. Thank you for looking into this right away.
Frequently Asked Questions
What is Complaint #8152491 about?
Complaint #8152491 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-01-11T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 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.