Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8418475
Complaint Overview
Complaint ID: 8418475
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: Maryland
ZIP Code: 21202
Date Received: 2024-02-25T12:00:00-05:00
Date Sent to Company: 2024-02-25T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Gramm-Leach-Bliley Act ( GLBA ) : The GLBA requires financial institutions to provide consumers with privacy notices explaining their information-sharing practices and to obtain opt-in or opt-out consent before sharing nonpublic personal information with non-affiliated third parties. Fair Credit Reporting Act ( FCRA ) : The FCRA regulates the collection, dissemination, and use of consumer credit information. It requires consumer reporting agencies to obtain permissible purpose and consumer consent before providing consumer reports to third parties. These federal statutes establish requirements for obtaining consumer consent or permission before sharing personally identifiable information and aim to protect individuals ' privacy rights and sensitive data. Neither Equifax, XXXX, XXXX, or XXXX XXXX XXXX XXXX can produce the disclosures that I was required to receive by law to share my personally identifiable information with a non-affiliated third party. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( 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. Failure to provide these disclosures and the subsequent sharing of personally identifiable information amounts to identity theft.
Frequently Asked Questions
What is Complaint #8418475 about?
Complaint #8418475 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 2024-02-25T12:00:00-05:00.
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.