Product: Credit reporting or other personal consumer reports

I am writing regarding an account being reported by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX  and XXXX  to consumer reporting agencies, specifically XXXX, XXXX and Equifax, without my consent. This practice violates several provisions of federal law, and I am formally requesting immediate investigation and resolution of this matter.

According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Section 602 ( a ), There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Equifax, XXXX and XXXX, as consumer reporting agencies, are obligated to uphold these principles, and I, as a consumer, am entitled to ensure my private information is protected.

Under 15 U.S.C. 6801, Congress has declared that financial institutions must respect the privacy of their customers and protect the confidentiality of their nonpublic personal information. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX  and XXXX, as financial institutions, are bound by this law. 

Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not provided written consent for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX  and XXXX  or any consumer reporting agency to furnish my information, and I hereby revoke any and all prior consent, whether verbal, non-verbal, written, implied, or otherwise. 

As outlined in 12 CFR 1016.7, consumers retain the right to opt out of sharing their nonpublic information. I hereby revoke any implied or expressed consent and opt out of the continued reporting of this information.

Furthermore, 15 U.S.C. 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to a nonaffiliated third party unless consumers are provided an option to opt out of such disclosures. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX  and XXXX  have never informed me of my right to exercise this nondisclosure option, which is a violation of federal law.

According to 15 U.S.C. 1681c ( a ) ( 5 ), adverse items, other than records of criminal convictions, can not be included in consumer reports if not authorized under subsection ( b ). Reporting late payments as adverse information contravenes this requirement. The account you are reporting is an adverse item, and its reporting is unauthorized and unlawful.

Additionally, 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. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX, XXXX and Equifax are not maintaining reasonable procedures to ensure the accuracy of reported information, violating XXXX5 U.S.C. 1681e.

Lastly, 12 C.F.R. 1016.7 states that a consumer may exercise the right to opt out of disclosures at any time. I am hereby exercising my right to opt out of all reporting services and disclosures involving my personal information.