Consumer complaint received 2023-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
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:
Capital One acct XXXX Reported missed payment XX/XX/XXXXReported missed paymentXX/XX/XXXX Reported missed payment XX/XX/ Reported missed payment XX/XX/ Reported missed payment XX/XX/XXXXReported missed payment XX/XX/ According to the fair credit reporting act 15 USC 1681 section 602 A states " There is a need to ensure the customer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect to the consumer 's rights to privacy. '' XXXX and XXXX 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that tidal. 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 ''. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish the information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " 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 nondisclosure option ''. ( Furnisher of information to credit agencies ) never informed me of my right to exercise my non-disclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states " except as authorized under subsection ( b ), no consumer reporting agency mate 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 US code 1681 s-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 US code 1681e states " Every consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 US code 1681e 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 purpose listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " a consumer may exercise the right to opt out at anytime '' I am opting out for your reporting services.

Company response to consumer: Closed with explanation