Consumer complaint received 2023-12-27
Company: Atlanticus Services Corporation
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In regards to the fair credit reporting act 15 USC 1681 section 602 it says there there is a need to ensure that a consumer reporting agencies exercise their grave responsibilities with fairness and partiality and respect for the consumers right to privacy XXXX and XXXX are the consumer reporting agencies and I myself and the consumer. I have the right to make sure that my private information isnt shared which is backed by 15 USC 6801 in which says 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 by not sharing their non-public personal information Fortiva, XXXX is a financial institution by definition under that title. It states in 15 USC 1681 section 604 ( a ) section 2 in general to subjection ( 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 Fortiva XXXX, the financial institution, and the consumer reporting agencies XXXX XXXX , do not have my consent to furnish this information, and they surely do not have my written consent to share any of this information. And any, and all consent to experience or XXXX Fortiva, XXXX, whether it be verbal nonverbal written implied or otherwise revoked. 15 USC 6802 ( b ) ( c ) clearly says a financial institution may not disclose non-public personal information to a non-affiliated third-party unless the consumer is given an explanation of how the consumer can exercise that a nondisclosure option Fortiva XXXX never informed me of my rides to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) clearly says except as authorized under the 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 the records of convictions of crimes, which annotates the report by more than seven years this account is an adverse item they are reporting again of which I never gave permission and this is against the law 15 USC code 1681s-2 ( A ) ( 1 ) clearly says 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 in accurate. 15 USC code 1681e clearly says every consumer reporting agency, shall maintain reasonable Procedures designed to avoid violations of section 1681 ( b ) of this title, and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 clearly says that a consumer may exercise the right to opt out at any time.I am here exercising my right opting out of your reporting services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief