Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9817916

Complaint Overview

Complaint ID: 9817916

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: Their investigation did not fix an error on your report

State: California

ZIP Code: 90805

Date Received: 2024-08-11T12:00:00-05:00

Date Sent to Company: 2024-08-11T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy. '' XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) the financial institutions and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, whether it be verbal, non verbal, written, implied or other wise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Credit One Bank, First Access Bank, and Capital One Bank ) never informed me of my right to exercise my non-disclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states 'Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of the convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 U.S. code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports under section 1681 b of this title. '' XXXX, Equifax and XXXX are not maintaining reasonable procedures.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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