Consumer complaint received 2023-12-04
Company: National Credit Systems,Inc.
State: VA
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:
Sooooo. With all the grief Ive been dealing with due to the injustice Ive incurred, I am willing to go to the furthest extent of the law for My Rights as an Adult, being above 18 yrs of age, that I should not have to explain the fact that according to the Fair Credit Reporting Act 15 USC 602 & 1681 it plainly states that There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ; and my privacy has absolutely been violated to the pointe I have to type this demand/complaint letter. XXXX & XXXX etc. are consumer reporting agencies and I am obviously the consumer, a living breathing Man, not a corporation or a legal entity. I, as a Man, have the right to protect my personal information and to make sure it isn't shared without my knowledge or consent, which is backed by 15 USC 6801. As should already be aware as an agent/principal, 15 USC 6801 it 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. NATIONAL CREDIT SYSTEMS & XXXX XXXX is a financial institution by definition under title 15 USC 1681 sec 604a sec 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. NATIONAL CREDIT SYSTEMS, XXXX XXXX, XXXX & XXXX, etc DO NOT HAVE MY CONSENT, NOR MY WRITTEN CONSENT TO FURNISH ANY OF MY INFORMATION. Let it be known to XXXX & XXXX etc that ALL CONSENT whether it be verbal, non-verbal, written, implied, or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. NATIONAL CREDIT SYSTEMS & XXXX XXXX never even contacted me or sent me an email or anything of that matter informing me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that A consumer may exercise the right to opt out anytime. Please consider this as Me OPTING OUT of your reporting services. 15 USC 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. 15 USC 1681 ( e ) states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) 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 so that leaves me with no choice but to have to decline further involvement. Lastly, 15 USC 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item 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!!!!!

Company response to consumer: In progress