Consumer complaint received 2023-02-06
Company: Factor Trust
State: OH
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:
I have requested my credit report to obtain additional information of items reporting on my credit that was unauthorized. I have requested a security freeze to keep from unidentified information from being furnished on my report. 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ). 
15 U.S. Code 6802- Obligations with respect to disclosures of personal information, ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ). I was not notified of any of this information being reported on my consumer report. I did not give any written consent to have any information being illegally obtained from any third party vendor. A Financial Institution  MAY NOT, directly or indirectly, disclose to a NON-AFFILIATED THIRD PARTY any NONPUBLIC PERSONAL INFORMATION unless such Financial Institution gives the following disclosures. I was not given the opportunity to decline the option of any information to not be obtained or reported on my consumer report ; those rights were violated. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 18 USC 1028A- AGGRAVATED IDENTITY THEFT 18 USC 1028AXXXX Aggravated Identity Theft a ) OFFENSES. 
( 1 ) IN GENERAL. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
( 2 ) TERRORISM OFFENSE. 
Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation