Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9895970
Complaint Overview
Complaint ID: 9895970
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Report provided to employer without your written authorization
State: New York
ZIP Code: 11434
Date Received: 2024-08-22T12:00:00-05:00
Date Sent to Company: 2024-08-22T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a formal complaint against XXXX XXXX XXXX for several serious violations of my consumer rights. Here are the issues I am facing : Privacy Violations : XXXX XXXX XXXX shared my personal financial information with third parties, including other financial institutions and credit agencies, without giving me the chance to opt-out. This is against both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lack of Consent : I told XXXX XXXX XXXX that I did not agree to them sharing my information. They responded that they were allowed to do so according to their Privacy Policy. However, their policy should comply with federal privacy laws, which they are not following properly. Missing Documentation : I have asked XXXX XXXX XXXX twice for a complete record of my account, including signed documents from an authorized representative. They have not provided this information, which goes against the Truth in Lending Act ( XXXX ). Identity Theft : By sharing my personal financial information without my consent, XXXX XXXX XXXX is committing identity theft. This not only violates my rights but also uses illegal methods to collect debts. Invalid Contract : The contract or Promissory Note involved is not valid. It appears to be designed to commit identity theft, violate my rights, and illegally demand payments. This contract violates XXXX and other laws. I believe the contract is void and unenforceable, and I am seeking damages for these violations.
Frequently Asked Questions
What is Complaint #9895970 about?
Complaint #9895970 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 2024-08-22T12:00:00-05:00.
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.