Date Received: 2023-08-18
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I will summarize the events in sequential order, and include a note when I am referring an attached document : -- XXXX. I purchased the Go Relax Day Spa XXXX on XX/XX/XXXX for {$57.00} with my Discover Credit Card, processed through XXXX ( XXXX ). The original purchase price was {$62.00}, but I had a {$5.00} coupon. Very shortly after, when I realized I accidentally ordered it for the wrong location, I requested a refund through XXXX 's self-service refund system. The refund was initiated, and this is when I thought it would end. -- XXXX. Months later when I checked XXXX again, I realized that the refund never actually went through. -- XXXX. On XX/XX/XXXX I followed up with Customer Support since I never received the refund, and was told by XXXX XXXX that I've verified that no charges were processed and removed the order from your account, but it was still on my account. I was then advised that from their perspective, the original charge of {$57.00} failed, and so they could not issue a refund. On XX/XX/XXXX, even after I provided documentation that the charge did indeed exist, XXXX told me that XXXX could not help me and I must contact my bank ( which I took to mean open a dispute ). He said " We can see that the order has failed in this case. Since this order has failed we do not have the option to offer you a refund in this case. Hence, I request you to please contact your bank for further clarification. '' The entire email chain including my responses is XXXX. -- XXXX. On XX/XX/XXXX, following instruction from XXXX themselves, I opened a dispute with my Discover credit card for the transaction of {$57.00}. -- XXXX. On XX/XX/XXXX, I received documentation indicating I lost the dispute ( dispute.pdf ). Upon reading the information that XXXX provided to Discover, they made numerous materially false ( and easily provably false ) claims to Discover. Among them were that I opened this dispute without contacting XXXX Customer Service first ( see dispute.pdf pg. XXXX ). As my documentation proves, I did contact Customer Service first, and they were not able to help me due to the previous explained reason that, for them, it didn't even seem like the {$57.00} transaction went through. Thus, not only did I contact XXXX Customer Support first before contacting my bank, it was actually XXXX who told me to open a dispute. XXXX also provided documentation to Discover purportedly showing my refund was already issued through " XXXX XXXX, '' but this is also not true, as no XXXX Bucks were ever credited to my account ( No_Groupon_Bucks.pdf ). -- XXXX. On XX/XX/XXXX and XX/XX/XXXX I placed calls to Discover Customer Support about how to proceed. I was advised by Discover both times that since XXXX provided documentation that they credited my account with XXXX XXXX, they could not re-open the dispute unless I went back to XXXX and got them to say, in writing, that I was actually not credited XXXX XXXX. They stated that me providing proof I was not credited XXXX XXXX would not be sufficient, it would need to come from XXXX. -- XXXX. Starting on XX/XX/XXXX and ending XX/XX/XXXX, I communicated with XXXX countless times, with the extremely simple request of them to just confirm I never received XXXX XXXX. I was essentially stonewalled and despite providing bank documents, XXXX did not even acknowledge that the {$57.00} transaction existed, the same thing they did months ago. They claimed that according to their system, the transaction failed to go through in the first place, thus there was nothing to refund. Refer to XXXX for one of their responses and my subsequent reply. I will spare you guys of their previous XXXX emails gaslighting me that the transaction didn't exist. Finally, we went back and forth until I was escalated to a higher-tier support who finally did acknowledge the transaction existed, but flatly refused to help because I already opened a dispute with Discover. When I pointed out that the dispute was already closed and I was simply asking for documentation to re-open the dispute, he continued that " Instead of resolving the issue with us, you should work with them [ the bank ] directly to discuss a resolution. '' See XXXX. It was already clear to me at this point that XXXX would not help. -- XXXX. As one final attempt to resolve this before contacting a third party, I placed a call to a Discover supervisor on XX/XX/XXXX. I stated that me contacting XXXX was not productive, and presented the fact that I can easily prove that XXXX provided false information to Discover in order to win the dispute. I requested that Discover re-open the dispute, as I believed that if we could get a chance to have XXXX simply check my XXXX Bucks balance it would easily prove I was never refunded. I also offered the other option of XXXX simply closing my XXXX account and refunding my credit card, then they don't even have to admit they were wrong about issuing XXXX Bucks. However, I was again informed that without more written communication with XXXX ( which I have already demonstrated, is impossible to get ), they would not reopen the dispute. -- -That brings us to today where I feel I have exhausted all options and must involve a third party. XXXX refuses to help me with any documentation, and Discover refuses to move forward without me receiving documentation from XXXX. I am seeking intervention from the CFPB to help mediate and resolve this ongoing issue. I believe that I have been subjected to inconsistent and potentially misleading practices by XXXX, and despite my best efforts to resolve the matter amicably and directly, I have been met with continuous obfuscation. I appreciate your attention to this matter and hope for a swift resolution. I would be happy to provide any more documentation that is requested.
Company Response:
State: VA
Zip: 22312
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I just recently came down with XXXX. i reached out to all my banks ( car loans and all ) and have asked for help. im out of work due to having XXXX and am not being paid for being out of work. i can not go back until i have a negative test. i have already been out a week, and may be out for another week or 2. I owe {$58.00} on XX/XX/21 on my discover credit card. I asked if they would be willing to push my payments out a month, since i have always been on time paying and have sometimes paid way over the minimum. They are refusing to help me out. They suggested that i find someone to help me out while i go through financial hardships. They proceeded to send me paragraphs talking about lower interest rates and such, trying to bring me off the topic of me needing to push my payments out. In the end, they refused to help me out with my upcoming payment.
Company Response:
State: FL
Zip: 32901
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for an account and was denied, pursuant XXXX cfr XXXX discrimination was the reason I was unlawfully denied. 15 us code 1611 its illegal to deny us credit as credit is our right. 15 us code 1691 a, and ucc3-302 I should never be treated so inhumane I have been discriminated against, lied and my rights infringed upon. Reporting this to my credit report without my consent is illegal as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX We are the Creditors, Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt will result in a small claims action against your company. I will be seeking { {$5000.00} } in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Company Response:
State: CA
Zip: 95337
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2023 Hello, Good morning, I hope your doing very well. my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 5 days. I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 credit bureaus with these accounts listed below. I have now pointed out the mistakes so this account needs to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. Report this account as disputed Thank you,
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX I reached out to Discover Bank to initiate a dispute in reference to a charge made of {$1300.00} USD to my credit card for a company called XXXX XXXX XXXX XXXX. Discover Bank proceeded to follow the protocol of initiating a dispute in reference to the charge made. I was informed it would take 30 days or maybe more to determine the outcome. In the meantime I was given a temporary credit of {$1300.00} USD back to my credit card balance account, which put me in a positive balance since I had no balance due on my account. I proceeded on my end to scan/email over documentation I received from XXXX and XXXX to Discover Bank to provide proof of the situation occurring in pleading my stance to the initiation of the dispute process. During the days that are passing by as the process is trying to be resolved, I was confident that I was going to have the case be resolved in my favor. On XX/XX/XXXX I proceeded to donate to a XXXX XXXX to the victims of the XXXX wildfire that lost their lives and the disastrous impact that occurred. Since I have a positive balance of {$1300.00} on my credit card, I proceeded to donate it as a humanitarian assistance. On XX/XX/XXXX at XXXX am I received an email from Discover Bank in reference to the dispute resolution. I proceeded to log into my account and learned that Discover Bank had rescinded the temporary credit of {$1300.00} USD and ruled in favor of XXXX XXXX XXXX XXXX. I proceeded to call Discover Bank to request the dispute be re-opened and further elaborated with the representative of the billing department that issue and the nature of the matter of the business transaction was done. The representative informed me that they will request to re-open the dispute and if there is anymore documentation that I can provide to just send it. I am initiating this complaint as a documentational support for my dispute in the transaction of the amount of {$1300.00} USD to be sent to Discover Bank and to have CFPB involved with this matter to have a evaluation be assessed. On XX/XX/XXXX I reached out to XXXX XXXX and XXXX via the internet website XXXX XXXX XXXX XXXX in regards to the services they provide to learn further about their craft in resolving credit report inaccuracies. As a consumer I was under the impression that XXXX XXXX XXXX XXXX was a legal law firm business conducting credit repair due to the advertisement displaying on their website displaying a picture slogan of a XXXX which by definition is a small ceremonial mallet commonly made of hardwood, typically fashioned with a handle. It can be used to call for attention or to punctuate rulings and proclamations and is a symbol of the authority and right to act officially in the capacity of a presiding officer. Under the XXXX symbol it states in words saying quote Our attorney-managed, 4 round process is personalized for each client by an investigative research team all at a reasonable cost Upon submitting my name and contact number to be reached, I received a call from a female employee named XXXX and states that she is a credit analyst. During the conversation I have with XXXX, she proceeds to probe and ask personal questions regarding my goals, my job title, aspirations and etc., which to me did not seem relevant to the topic of the credit repair but to maintain a peaceful dialogue I did not proceed to be abruptly disdain about the personal questions. XXXX informs me that the nature of their business is attorney based and backed to dispute and win cases to fixing peoples credit report. XXXX proceeded to direct me to a website called XXXX XXXX XXXX and informed me to sign up and pay out of my pocket a fee so I can do a soft pull of my credit report from the three major credit bureaus. Once I completed her directions to pulling my soft credit report, XXXX informed me what is it that I was seeking to accomplish from viewing my report, and I explained to XXXX the following factors that I was observing on the soft credit report and how I would like to solve the discrepancies. XXXX proceeded to then inform me that there was an initial investment fee of {$1300.00} before she can proceed further in starting the case of the dispute process with the credit bureaus. I was further informed that to see the results and services fully provided it would take 6 months, and that there was an additional payment of approximately {$200.00} dollars for every month of the 6 months process. However, for the time being XXXX informed me that I just had to pay the initial investment fee for the time being. XXXX proceeded to then pace process by sending me the documents to my email address for me to sign in authorizing the payment to be made for the initial investment fee, as well as emailing her my Drivers License and Social Security Card. After all the documents were quickly signed via the internet and I sent my personal identifiable documents, I was informed by XXXX that any correspondent letters I receive from the credit bureaus to just email it to her and to avoid talking to the credit bureaus directly/ indirectly if I receive any calls or any method of contact from them. On XX/XX/XXXX I received a legal document from XXXX which states word for word quote We applaud your recent efforts to take charge of your credit. We want you to know were on your side, and were here to help support you on your path toward credit health. We recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. If youre working with a third party such as a credit repair company or credit clinic, they have to identify themselves in their communications to us, and provide proof that youve authorized them to communicate with us on your behalf. It's important to know that if you see something on your XXXX credit report that you believe is inaccurate, you can dispute it easily and securely on your own for free, without paying a fee to any company. If youve hired a credit repair company and they insist on payment up front, encourage you to misrepresent your credit information or instruct you not to contact a credit reporting agency directly, they are not acting lawfully. Learn more about credit repair and your rights at XXXX You can count on us as a resource as you work to achieve your credit health goals we want you to be able to get the financial opportunities you deserve. Sincerely, Your XXXX Support Team After reading the correspondence I received from XXXX on XX/XX/XXXX I immediately called XXXX to question the correspondent I received from one of the credit bureaus. XXXX informed me that the letter XXXX wrote is a tactic used to prevent individuals from obtaining credit repair and not to trust what XXXX wrote. I proceeded to ask XXXX how would she know that the credit bureaus concoct such a response to prevent people from resolving their credit discrepancies. XXXX proceeded to inform me to just send over the letter they wrote to her and she would take care of it. I asked XXXX if she was an attorney to interpret and represent clients in cases of the nature with credit repair disputes and XXXX just hung up. I immediately proceeded to contact my bank in connection to the credit card I used to authorize the funds to be paid for the initial investment fee, and initiated a dispute to be filed in reference to fraud. This dispute was initiated within the 30-business day / calendar day period, which I did not receive any services from XXXX XXXX XXXX XXXX XXXX XXXX/ amending the discrepancies due to their evasive business operation being conducted and unlawful charge of fees that I was charged. Further to elaborate, there was no disclosure presented to me from XXXX by phone or email regarding my consumer rights in reference to Federal consumer laws, no transparency in the documents being shown to me of what they are writing to the credit bureaus, and misrepresentation of advertisement with connection of legal jargon and symbols confusing the public consumer. Eventually I received another legal letter from XXXX stating the same word usage as XXXX, and emailed it over to my bank for further reference into the matter. As of today XX/XX/XXXX, XXXX XXXX XXXX XXXX are still with the funds and have not released the funds to my bank. The reason I pursued in the first place to inquire about resolving my credit report discrepancies and inaccuracies was due to Discover Bank reporting me late on XXXX payment for the month of XX/XX/XXXX during the XXXX Pandemic. I have never been late on any of my payments being due and never have been late with other banks I do business. This has been a technical mistake, however, this one late payment that was reported to the three credit bureaus has been a delinquent marking on my credit report and Discover Bank is standing their position that I was late. What I find surprisingly incoherent, is how a financial banking institution is going to demand and expect payments to be made in the year XXXX when there is a humanitarian catastrophic disease decimating human lives. There is no sense of understanding with common coherence to reality and financial expectations to be made with the disease of COVID-19 causing havoc and turmoil in society. I did my part to reach out to all my banks, especially Discover Bank in the year of XXXX to defer payments which no financial institution objected to because of COVID-19. Yet as a good reliable customer I have been, I still went out of my way to pay Discover Bank as well as my other banks the minimum payment due. No other banks I have business with ever reported me being late. I have always been reliable, professional and on-time. So it is very disrespectful to report me as late to the credit bureaus during XXXXOVID-19 when I have never been late on any of my payments due. And to this day, I have still never missed a payment with any of my banks I report to. Unfortunately and unjustifiably I have a derogatory / delinquent report on my credit report of the missed payment for the month of XX/XX/XXXX reported by Discover Bank which has caused damages by limiting my financial opportunities, such as being declined for certain offers and the damage of negative reliability banks perceive me as when reviewing my credit report.
Company Response:
State: FL
Zip: 33166
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There was a coulple credit cards that were taken out in my name that I did not authorize, I am filing this report to compley with a police report. I have disputed the transactions and was inform by a police officer to get a report is nesscessary. I was told by the officer in the investigation that I need to complete this. I am not certain of all the excat times and dates of transactions but I am aware that I believe that the person who is stealing my identity is my son XXXX XXXX XXXX. Recently checks were also stolen by him and I took measures with the banks to fix that. I have a XXXX XXXX card that was taken out in my name, with a XXXX credit limit. I have not once received the actual card or receive the statements. There is a current balance of XXXX pass due. And also there is a discover credit card that was taken out in my name that I did not authorize. I have put a freeze on my 3 credit departments. Please let me know what else is needed from me. I want to ensure that this does not occur again. I can be contacted by phone at XXXX. Thank you. XXXX XXXX
Company Response:
State: PA
Zip: 18966
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is my complaint about DISCOVER BANK. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.
Company Response:
State: CA
Zip: 94115
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: We have received several phone calls from different " debt collection companies '' regarding a credit card debt from the early XXXX where we are told that I will be served a summons to appear in court regarding the debt, most recent was today XX/XX/23 from XXXX XXXX XXXX debt collection. I let them know that I am unemployed and live with my daughter and have no income outside of my Social Security. When I let them know that I knew this was a scam, the guy got belligerent and said that they would just sue. I told him we knew this was a scam and then I hung up. The number I called from is XXXX. They gave me a case number of XXXX. I know this is a scam because a couple of months ago, I was contacted by another company stating the same thing. When I found the company online, I called the number and spoke to the owner. He told me that he has been getting calls from ppl using his company name fraudulently. That company was XXXX debt collection. They said the same thing and then when I called back to let them know I knew it was a scam and that I had reported them to the FTC, the calls stopped until this most recent call.
Company Response:
State: FL
Zip: 34219
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I ordered my credit report. On my report it showed that the amount due on both accounts were charged off. A charge off is synonymous to a certificate of indebtedness & the IRS publication XXXX considers a charge off/ XXXX income & income can not be reported on a consumer report. I also never received any 1099-c form as a receipt for the cancelation of that debt. I called Discover Financial Services Customer Service for Credit Card Holders over the course of the last week on multiple occasions. They also have the phone records and it links them to my account. I read them their privacy policy which will be attached below verbatim and expressed that I was exercising my right to OPT-OUT of any and all of my personal, financial and confidential information being furnished to any third party non-affiliates such as credit bureaus like XXXX, XXXX, XXXX, XXXX XXXX and XXXX. Some agents claimed they couldn't opt me out and I spoke to supervisors who said they could opt me out and made claims that they did. Yet I ordered my credit reports from all the bureaus and my information is still being illegally reported. I asked them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting to no avail and more disrespect. This is a clear VIOLATION of my consumer rights under 15 U.S Code 1681b -Permissible purpose of consumer report ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : ( XXXX ) in accordance with WRITTEN INSTRUCTION of the consumer, to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. 15 U.S.Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1666b. A Creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any reason. My account displays clear VIOLATIONs of my consumer rights According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681a ( 2 ) a ( 1 ), EXCEPT AS PROVIDED in paragraph ( XXXX ), the term " consumer report '' does not include reports containing information solely as to TRANSACTIONS. Therefore, I request that my TRANSACTION between Myself and Discover Financial Services, be updated to what is fair and equitable to me as a consumer. I request Accounts be updated to, PAANL ( Paid As Agreed Never Late to my consumer report. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the Accounts LISTED be BLOCKED and DELETED IMMEDIATELY! YOU ARE IN VIOLATION OF EVERY CODE IVE IDENTIFIED. Discover Financial Services privacy policy Specifically says they cant share information on credit worthiness. They have been reporting 14 months worth of creditworthiness information unlawfully without my written or verbal consent for account ending in ( XXXX ) and reporting 30 months worth of credit worthiness information unlawfully without my written or verbal consent For account ending in ( XXXX ). That's grounds for an {$14000.00} pay out for account ending in ( XXXX ) & a {$30000.00} pay out for account ending in ( XXXX ) according to 15 U.S. Code 1681 ( n ), which allows for { {$1000.00} } per violation. They're in DIRECT violation of 15 U.S. Code 6801 - Protection of nonpublic personal information Specifically this subsection 15 U.S. Code 6801 ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. XXXX XXXX XXXX - Form of opt out notice to consumers ; opt out methods. - ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. Every discrepancy I mentioned herein is also a violation of the Privacy Act of 1974 FCRA Permissible Purpose The FCRA protects consumer privacy in multiple ways, including by limiting the circumstances under which consumer reporting agencies may disclose consumer information. For example, FCRA section 604, entitled Permissible purposes of consumer reports, identifies an exclusive list of permissible purposes for which consumer reporting agencies may provide consumer reportsXXXX including in accordance with the written instructions of the consumer to whom the report relates and for purposes relating to credit, employment, and insurance. The statute states that a consumer reporting agency may provide consumer reports under these circumstances and no other. In addition, FCRA section 607 ( a ) requires that [ e ] very consumer reporting agency shall maintain reasonable procedures designed to... limit the furnishing of consumer reports to the purposes listed under section 604. And FCRA section 620 imposes criminal liability on any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agencys files to an unauthorized person. In addition to imposing permissible purpose limitations on consumer reporting agencies, the FCRA limits the circumstances under which third parties may obtain and use consumer report information from consumer reporting agencies. FCRA section 604 ( f ) provides that a person shall not use or obtain a consumer report for any purpose unless the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under [ FCRA section 604 ] and the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses. The FCRAs permissible purpose provisions are thus central to the statutes protection of consumer privacy. Consumers suffer harm when consumer reporting agencies provide consumer reports to persons who are not authorized to receive the information or when recipients of consumer reports obtain or use such reports for purposes other than permissible purposes. These harms include the invasion of consumers privacy, as well as reputational, emotional, physical, and economic harms. The Bureau and the Federal Trade Commission ( FTC ) have collectively brought numerous enforcement actions to address violations of the FCRAs permissible purpose provisions. For example, in a case that resulted in a XXXX settlement with a consumer reporting agency, the FTC alleged that the agency violated the FCRAs permissible purpose provisions by providing consumer reports to persons without a permissible purpose, resulting in at least 800 cases of identity theft. More recently, in XXXX, a group of companies and individuals settled Bureau allegations that they obtained consumer reports without a permissible purpose when they obtained consumer reports for use in marketing debt relief services. Also in XXXX, a mortgage broker settled FTC allegations that it used consumer reports for other than a permissible purpose when, in response to negative reviews on a website, it publicly posted information it had obtained from a consumer report about the reviewer.
Company Response:
State: CT
Zip: 06042
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A