Consumer complaint received 2022-10-28
Company: FC HoldCo LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have written off this charge off debt. Your reporting this debt to XXXX, XXXX, and XXXX. Flagship is committing tax fraud. Flagship is in violation of 15 usc 1681E ( B ) I am requesting a 1099C so I can do an audit on FLAGSHIP COMPLIANCE. I will be reporting this to the IRS. 
15 US CODE 1666 - CORRECTION OF BILLING ERRORS 15 USC 1681B- PERMISSIBLE PURPOSE OF CONSUMER REPORTS In accordance with the Fair Credit Reporting act FLAGSHIP CREDIT ACCEPTANCE 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT.

SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I am a natural person, I am a living human being, I have the rights under 15 USC 1681 FLAGSHIP CREDIT ACCEPTANCE is govern by 15 USC
1681. They violated my rights numerous of times. I demand the accounts listed below be remove because According to 15USC 1681 : I have the rights to privacy and did not give FLAGSHIP CREDIT ACCEPTANCE written permission to furnish these accounts.

15 USC 1681 E ( B ) FLAGSHIP CREDIT ACCEPTANCE never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. FLAGSHIP CREDIT ACCEPTANCE stated my account was properly investigated but how is that possible if I never gave FLAGSHIP CREDIT ACCEPTANCE written consent to use my personal information or social to open any of these fraudulent accounts.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about these fraudulent accounts. I don't have any closed accounts with FLAGSHIP CREDIT ACCEPTANCE. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. FLAGSHIP CREDIT ACCEPTANCE stated it was properly investigated but how is that even possible if XXXX XXXX  DID NOT GET ANY WRITTEN SIGNATURE OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with FLAGSHIP CREDIT ACCEPTANCE. I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave FLAGSHIP CREDIT ACCEPTANCE ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THESS ACCOUNT. THIS ACCOUNT IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THESE FRAUDULENT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY ACCOUNT WITH FLAGSHIP CREDIT ACCEPTANCE. THE DOCUMENTS, BANK STATEMENTS, PHONE NUMBER AND ADDRESSES DO NOT BELONG TO ME AND IS FRAUD. I HAVE NEVER WORKED AT XXXX XXXX  XXXX XXXX, FALSE PAYSTUBS, I HAVE NEVER LIVED AT XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX NJ XXXX. I DON'T HAVE ANY BANK ACCOUNT WITH TD BANK. THE SALE CONTRACT HAS SOMEONE ELSE SIGNATURE. I CAN SHOW A JUDGE THIS ACCOUNT IS FRAUDULENT AND YOU VIOLATED MY RIGHTS AND THE FCRA IN MANY WAYS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation