Consumer complaint received 2023-05-09
Company: Collection Receivables, Inc.
State: MN
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:
In response to complaint XXXX I did not give this debt collection agency my permission to share my NON PUBLIC PRIVATE INFORMATION to any third parties. Such as XXXX, XXXX and XXXX. I did not ask for a contract of an Alleged Debt. Pursuant to the Fair Debt Collections Act. Which you as a Debt Collection Agency Have To practice? Or is this not true? COMMUNICATION WITH THIRD PARTIES. Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the ex- press permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. So again I am asking Did I give you guys my consent to share my private information with anyone? I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. IS USC 6802 ( B ) clearing states that * A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ''. IS USC 6802 ( B ) 1b " the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party '' IS USC 6802 ( B ) Ic " the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' In the above- mentioned XXXX XXXX XXXX XXXX without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX XXXX and XXXX ). With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you remove the mentioned information from my Consumer Report : My rights are being violated 15 USC 1692d ( 1 ) Any bad debt furnished on my report is ruining my reputation and is a defamation of character. If you accept my request, I will not escalate this matter to a Federal complaint. 
If not .. any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorney 's fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorney 's fees reasonable in relation to the work expended and costs. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation