Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8974623
Complaint Overview
Complaint ID: 8974623
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: 32218
Date Received: 2024-05-09T12:00:00-05:00
Date Sent to Company: 2024-05-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax XXXX XXXX RE : NOTICE - Gramm Leach Bliley Act NON-COMPLIANCE REPORTING. This is a NOTICE & DEMAND to equifax that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act statute ( s 1. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX 2. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 4. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX 5. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to XXXX5 USC 1692 XXXX Account Number : XXXX Please remove it from my credit report. 7. Late Payment Law Letter 15 U.S. Code 1666 ( b ) billing error XXXX XXXX Account Number : XXXX Please Remove The Late Payment 8. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 XXXX Account Number : XXXX Please remove it from my credit report. 9. Late Payment Law Letter 15 U.S. Code 1666 ( b ) billing error XXXX XXXX Account Number : XXXX Please Remove The Late Payment 10. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 XXXX Account Number : XXXX Please remove it from my credit report. Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. XXXX803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does equifax allow these non-compliant institutions to report on my credit profile and put my privacy at risk? Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that equifax PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within XXXX days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). Equifax are in direct violation of the GLBA act GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to XXXX years Revocation of licenses
Frequently Asked Questions
What is Complaint #8974623 about?
Complaint #8974623 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 2024-05-09T12:00:00-05:00.
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.