Product: Credit reporting or other personal consumer reports

Complaint Reason : Unauthorized Accounts, Reinsertion of Blocked Accounts, and Violation of Consumer Rights Upon reviewing my credit report, I identified unauthorized fraud accounts. Additionally, I discovered that an account previously blocked and deleted has been reinserted into my report. Despite my efforts, including providing a Federal Trade Commission ( FTC ) report, my California state drivers license, and my Social Security card, the credit bureau has failed to take corrective action, which is a violation of both federal and California consumer protection laws. 


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  Here are the relevant laws that govern this situation : 1. 15 USC 1681 Section 604 ( a ) ( 2 ) / FCRA 604 ( a ) ( 2 ) / 12 CFR 1022.10 ( a ) ( 2 ) / California Civil Code 1785.11 : Credit reporting agencies, including XXXX, TransUnion, and XXXX, are only authorized to furnish a consumer report with my explicit written instructions. I have not provided any written consent, and any prior consent, whether verbal, non-verbal, implied, or otherwise, is hereby revoked. 
2. XXXX XXXX ( 15 USC 6802 ( b ) ( c ) ) / 12 CFR 1016.10 / California Financial Code 4053 : The Gramm-Leach-Bliley Act prohibits financial institutions from disclosing nonpublic personal information to non-affiliated third parties unless they provide a clear explanation of the consumers right to opt out of such disclosure. I was never informed of my right to opt out, which is a violation of both federal and state law.

3. 15 USC 1681c ( a ) ( 5 ) / FCRA 605 ( a ) ( 5 ) / 12 CFR 1022.5 ( a ) ( 5 ) / California Civil Code 1785.13 : This law prohibits credit reporting agencies from including any adverse information in a consumer report that is more than seven years old, except under certain conditions. The adverse account in question was reported without my permission, which is a direct violation of this law.

4. 15 USC 1681s-2 ( A ) ( 1 ) ( A ) / FCRA 623 ( a ) ( 1 ) ( A ) / 12 CFR 1022.42 / California Civil Code 1785.25 : Furnishers of information to credit reporting agencies are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Reporting these fraudulent accounts violates this statute.

5. 15 USC 1681e / FCRA 607 ( b ) / 12 CFR 1022.3 / California Civil Code 1785.14 : Credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy in the reporting of consumer information. XXXX XXXX XXXX have failed to uphold this obligation, leading to the inaccurate reporting of fraudulent accounts.

6. 12 CFR 1016.7 / California Financial Code 4053 ( d ) : Under this regulation, I have the right to opt out of the sharing of my personal information at any time. I am formally exercising this right now and opting out of your reporting services.

7. 15 USC 1681i ( 5 ) ( B ) ( ii ) & ( iii )/ FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) & ( iii )/ 12 CFR 1022.43 ( b ) / California Civil Code 1785.16 : If any information that has been deleted from my credit report is reinserted, the credit reporting agency must notify me within five business days through certified mail. Furthermore, under 15 USC 1681i ( 5 ) ( B ) ( iii ), the agency must include a statement that the information will not be deleted again unless the entity providing the information certifies its accuracy. The reinsertion of the blocked and deleted account without such notification is illegal and constitutes another violation of my rights.