Date Received: 2024-01-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act ( FCRA ), " [ t ] here is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " 15 USC 1681 ( a ) ( 4 ). XXXX, Experian, and XXXX are consumer reporting agencies, and I am the Consumer. Consistent with Congressional policy, I have the right to ensure my private information is not shared without my consent. 15 USC 6801 states " [ i ] t 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 is a financial institution by definition under that title. See also 16 C.F.R. 314.15. 15 USC 1681 ( b ) ( 2 ) states that " [ i ] n 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. '' See also P.L 90-321 ( 82 Stat. 146 ). XXXX the financial institution and the Consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Moreover, 5 U.S. Code 552a ( a ) ( 4 ) and 5 U.S. Code 552a ( b ) ( 12 ) ( hereinafter the Privacy Act ) protects my right to privacy. Under the Privacy Act, subsection ( a ) ( 4 ), the term records include a consumer report. The disclosure of a consumer report ( a record ) under the Privacy Act can not be furnished without the prior written instruction of the consumer ( the individual to whom it relates ). The consumer reporting agencies ( Experian, XXXX, XXXX ) do not have my written consent to publicly furnish these records nor can they produce the same as it was never given to them nor XXXX. As the accounts are student loans, they are also subjected to the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S. Code 1232g, which protects the privacy of student education records. Per subsection ( b ), to furnish information of these records to third parties, the US Department of Education and XXXX require my written consent. Which they do not have per the enclosed notices. Therefore, by continuing to report these accounts, is a violation of FERPA, the Privacy Act, and the FCRA. In addition, 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. XXXX never informed me of my right to exercise my nondisclosure option. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : [ a ] person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 15 U.S.C. 1681e states [ e ] very consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of the this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.17 states that [ a ] consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: " According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX and Experian 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. " Reported : XXXX XXXX, XXXX + {$1000.00} Needs Attention XXXX XXXX XXXX / XXXX Reported : XXXX XXXX, XXXX + {$560.00} Needs Attention XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$160.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$440.00} Closed XXXXXXXX XXXX Reported XXXX XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$560.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$990.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + {$160.00} Closed XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX + {$1500.00} Closed XXXX XXXX XXXX XXXXXXXX MI Reported XXXX XXXX XXXX XXXX XXXX + {$930.00} Closed XXXXXXXX XXXX Reported : XXXX XXXX, XXXX + {$630.00} Closed XXXX XXXXXXXX BANK Reported : XXXX XXXX, XXXX + {$400.00} Closed XXXX XXXX Reported : XXXX XXXX XXXX XXXX + {$1200.00} Closed XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX {$430.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$2.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} XXXX XXXX Reported : XXXX XXXX, XXXX + {$350.00} Closed XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$200.00} Needs Attention XXXX Reported XXXX XXXX XXXX, XXXX {$300.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed is a financial institution by definition under that title. 15 USC 1681 section 604 a 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 + {$1000.00} Needs Attention XXXX XXXX XXXX / XXXX Reported : XXXX XXXX, XXXX + {$560.00} Needs Attention XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$160.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$440.00} Closed XXXX XXXX Reported XXXX XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$560.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$990.00} Closed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX + {$160.00} Closed XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX + {$1500.00} Closed XXXX XXXX XXXX XXXXXXXX MI XXXX XXXX XXXX XXXX XXXX XXXX + {$930.00} Closed XXXXXXXX XXXX Reported : XXXX XXXX, XXXX + {$630.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$400.00} Closed XXXX XXXX Reported : XXXX XXXX XXXX XXXX + {$1200.00} Closed XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX {$430.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$2.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXXXXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} XXXX XXXX Reported : XXXX XXXX, XXXX + {$350.00} Closed XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$200.00} Needs Attention XXXX Reported XXXX XXXX XXXX, XXXX {$300.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian 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 Experian, XXXX. XXXX, XXXX + {$1000.00} Needs Attention XXXX XXXX XXXX / XXXX Reported : XXXX XXXX, XXXX + {$560.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX + {$160.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$440.00} Closed XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$560.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$990.00} Closed XXXX XXXX XXXXXXXX XXXX Reported XXXX XXXX XXXX, XXXX + {$160.00} Closed XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX + {$1500.00} Closed XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX + {$930.00} Closed XXXXXXXX XXXX Reported : XXXX XXXX, XXXX + {$630.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$400.00} Closed XXXX XXXX Reported : XXXX XXXX XXXX XXXX + {$1200.00} Closed XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX {$430.00} Closed XXXXXXXX XXXX Reported : XXXX XXXX, XXXX + {$2.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXXXXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} XXXX XXXX Reported : XXXX XXXX, XXXX + {$350.00} Closed XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$200.00} Needs Attention XXXX Reported XXXX XXXX XXXX, XXXX {$300.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX, XXXX + {$1000.00} Needs Attention XXXX XXXX XXXX / XXXX Reported : XXXX XXXX, XXXX + {$560.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX + {$160.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$440.00} Closed XXXX XXXX Reported XXXX XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$560.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$990.00} Closed XXXX XXXX XXXXXXXX XXXX Reported XXXX XXXX XXXX, XXXX + {$160.00} Closed XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX + {$1500.00} Closed XXXX XXXX XXXX XXXXXXXX MI Reported XXXX XXXX XXXX XXXX XXXX + {$930.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$630.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$400.00} Closed XXXX XXXX Reported : XXXX XXXX XXXX XXXX + {$1200.00} Closed XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX {$430.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$2.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} XXXX XXXX Reported : XXXX XXXX, XXXX + {$350.00} Closed XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$200.00} Needs Attention XXXX Reported XXXX XXXX XXXX, XXXX {$300.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Never informed me of my right to exercise my nondisclosure 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 convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently reviewed my credit report and found unauthorized inquiries. I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75243
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To Whom It May Concern, This letter is being sent to you in notice about the INACCURATENESS, INCOMPLETENESS, and more importantly, to your ERRONEOUS REPORTING. 1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 ONEMAIN Date of inquiry : 07/26/2023 Please remove this inquiry from my credit report 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX INSTALLMENT Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 700XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 8. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 9. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 10. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX XXXX XXXX Account Number : XXXX Please UPDATE this late payment in my Credit Report. XXXX. Account was paid XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 12. Pursuant to 15 USC 168 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ) I never gave you any Written Consent to report anything on my consumer report. XXXX Account Number : XXXX As a consumer by the law This account must deleted immediately. 13. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 15 U.S. Code 1681e ( b ) REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I DEMAND you to verify all these challenges and allegations and if can not, under the FCRA, unverifiable accounts MUST be removed. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: EXPERIAN YOU ARE THE ONLY BUREAU REPORTING THIS ACCOUNT INCORRECTLY. IF XXXX IS REPORTING AS PAID OVER THE PAST YEAR -- - SO, SHOULD YOU. WHY ARE YOU REPORTING FALSELY? I DEMAND IMMEDIATE UPDATE TO OK STATUS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX has been trying to collect on a debt that has been previously disputed as ID Fraud. I am formally submitting a complaint against XXXX XXXX XXXX and XXXXXXXX XXXX XXXX for trying to collect on a debt that has been opened without my authorization and or permission. I have attached my signed and notarized FTC Affidavit, police report which is needed to halt all further collections and have these items deleted from my credit reports and other reporting agencies that thy use
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07201
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX Trust , and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX and autograph as the agent , attorney in fact. This is NOT a validation request so do not send any validation, if you do I will TAKE LEGAL ACTION AGAINST YOUR COMPANY. A Social Security Number ( SSN ) is used by employers and employees for the purpose of reporting individual employee earnings for tax purposes only. You DO NOT have my CONSENT to use my social security number for commercial gain acting as usufructuary of my services, you are committing fraud and Identity theft and I will contact the ofce of Inspector General SSA and le a report with the federal authorities. I have suffered identity theft and power of attorney fraud by the following companies. Pursuant to Matson V. First American Credit, a United States Court of Appeals for the Ninth Circuit in 2001 ruled and emphasized that for a creditor to rely on a consumer 's consent, it must be informed and voluntary. Mere inclusion of a consent provision in a contract does not automatically establish informed and voluntary consent. The financial institution must demonstrate that the consumer explicitly provided consent, indicating their understanding and agreement to have information reported to credit bureaus. Pursuant to FCRA 605b and 15 USC 1681 c-2 i demand the account be removed and blocked from my reporting or you may be held liable for noncompliance pursuant to 15 USC 1681o and 15 USC 1681n . My consumer reports by LAW are supposed to match because XXXX, XXXX and EXPERIAN have a notification system and are supposed to notify each other to maintain fair and accurate reporting. The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. consumer reporting agency that compiles and maintains files on consumers on a nationwide basis The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing. YOU DO NOT HAVE PERMISSIBLE PURPOSE!!! and i have the right to OPT OUT!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93552
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92563
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove this inaccurate information as you are in violation. And it was removed and placed back on my account for the second time
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60636
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A