Consumer complaint received 2023-12-11
Company: Conn's, Inc.
State: TX
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:
XXXX XXXX XXXX All Rights Reserved Without Prejudice UCC1-308 C/O XXXX XXXX XXXX . 
XXXX, TX Re : Conns XXXX ATTN : FRAUD DEPARTMENT XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Customer # : XXXX To Whom It May Concern : I have received a letter stating that I cited fraud on this account. I did not cite fraud on this account. What I cited was the following : Please be advised that there is negative information being reported on my consumer report by your company, Conns XXXX, without disclosure options extended from your company to me, the consumer, nor does Conns XXXX have my written consent to be reporting the transactional, experiences, or any history, etc., on my consumer report : 1. Conns XXXX Account # XXXX My Fair Credit Reporting Act and Consumer Rights have been violated. 

The Conns XXXX account listed above has violated my FEDERAL given CONSUMER RIGHTS to PRIVACY amongst other things. 

Upon reviewing a copy of my consumer report, I challenge the accuracy, compliance and reportability of this account which you have fraudulently listed on my consumer report. 

Conns XXXX has violated FEDERAL LAW - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
Conns XXXX has aided the consumer reporting agencies in the violation of this Federal Law - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

Simply put, this consumer law states the following : 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 : 1 ) First disclosure is the Financial Institution letting a consumer know they will disclose information to the non-affiliated third party. 
2 ) Second disclosure is the Financial Institution gives the consumer the opportunity before any information is initially disclosed to direct that the information may not be disclosed to such third party.

3 ) Third disclosure is the Financial Institution giving the consumer an explanation so that the consumer can exercise the NONDISCLOSURE OPTION!

All 3 Consumer Reporting Agencies are non-affiliated third parties!!! I am sure that none of the Consumer Reporting Agency have any disclosures on file from me stating that I have given any of them permission to receive information from a 3rd party or for your financial institution to report anything to this 3rd party. 

I, XXXX XXXX XXXX, as the consumer, was not provided with any disclosures at all from Conns XXXX, yet Conns XXXX has access to my consumer report to state what they wish. You were allowed access to my consumer report to extend me my own credit per federal law however you were not granted permission to live on my consumer report. 

I know that I have a right to privacy when it comes to my NON-PUBLIC PERSONAL INFORMATION. I also have the right to NOT DISCLOSE any of my NON-PUBLIC personal information. This means that if the Conns XXXX furnishes anything on my consumer report to a nonaffiliated third party without my written consent, they are in clear violation of the Financial Privacy Act. 


Conns XXXX DID NOT have my written consent listed on your files for me saying that anyone can send any type of history to a third party. Conns XXXX can not provide me with my LAWFUL WET SIGNATURE proving that you have my written consent to disclose any transactional history or anything else, yet Conns XXXX has accessed my consumer report WITHOUT my written consent!!!! 

This fact makes Conns XXXX also in violation of The FCRA is 15 U.S. Code 1681 and all its Chapters and Subchapters.

15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Breakdown for your understanding : Conns XXXX may only report anything to my consumer report if I have given them WRITTEN INSTRUCTIONS. 
I am the consumer to whom this FEDERAL LAW relates! Conns XXXX has also aided the consumer reporting agencies in this violation of this Federal Law listed below also : 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 ; BREAKDOWN for your understanding : This law clearly states that I am entitled to ACTUAL DAMAGES as a result of the failure or {$1000.00}, whichever is greater, if someones obtains my consumer report without PERMISSABLE PURPOSE! 

Conns XXXX has aided the consumer reporting agencies in this violation of this Federal Law listed below also : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Breakdown for your understanding : 1 ) The banks depend on accurate reporting. Inaccurate reporting affecting the banking systems efficiency. Unfair credit reporting affects your confidence in the banking system. 

2 ) My credit worthiness, credit standing, credit capacity, character and reputation are dependent on the companies that report as well as the consumer reporting agencies reporting system.

3 ) The consumer reporting agencies have a major responsibility in reporting accounts to my consumer reports 4 ) I have the right to privacy! And Conns XXXX has the responsibility to respect my privacy with Fairness and Impartiality.

I know thats a lot of information, but I hope that this breakdown helps you understand my consumer rights and how this ties together. 

Conns XXXX has aided the consumer reporting agencies in this violation of this Federal Law listed below also : 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Breakdown for your understanding : 1. The term consumer report is what most people call a credit report.

2. The person making the report is the company who reported the charge off or collection to my consumer report.

3. I AM the consumer.

4. Transactions are all forms of transactional history!

That means on time payments, late payments missed payments, partial payments, delinquent payments, wages, salary, etc. are all forms of TRANSACTIONS!

5. Utilization is an EXPERIENCE created by credit usage. If I dont use a credit card ( s ), I wont create an experience. However, when I use my credit card ( s ), I, the consumer am creating shopping experiences, reward and/or point experiences etc. Utilization is an Experience due to it being created when I use my credit card ( s ).

TRANSACTIONS & EXPERIENCES reporting on my consumer report is ILLEGAL due to it being a violation of this law, which was given to us by Congress.

Keep this in mind, any violation of my consumer rights is a violation of Federal laws, and any violation of Federal laws is ILLEGAL! 

Conns XXXX has also aided the consumer reporting agencies in the violation of this Federal Law listed below also : 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

Breakdown for your understanding : The consumer reporting agencies must follow certain procedures when reporting anything to my consumer report that will produce Maximum Possible Accuracy! 

How is this account from Conns XXXX on my consumer report reporting to maximum accuracy if I did not receive any disclosure options, or give Conns XXXX Permissible Purpose or give Conns XXXX my written consent to disclose any of the transactions, Utilizations, or history? 

I want you to understand this. Permissible Purpose equals Written Instructions. Permissible Purpose grants consent. Without Permissible Purpose, its Identity Theft! Its identity theft because Conns XXXX has illegally placed a collection/charge off on my consumer report, using my social security number, on my behalf, without my WRITTEN INSTRUCTIONS to do so. 

Conns XXXX has also aided the consumer reporting agencies in this violation of this Federal Law listed below also : 18 USC 1028A- AGGRAVATED IDENTITY THEFT 18 USC 1028A- 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. 

Breakdown for your understanding : Whoever knowingly transfers, possesses, or uses my information unlawfully can be sentenced to 2 years of imprisonment as well as punishment for this felonious act. 

Conns XXXX was not provided with my written consent per FEDERAL LAW for permission for your financial institution to have access to my consumer report.

I hereby put you on notice : I DID NOT GIVE Conns XXXX WRITTEN INSTRUCTIONS to report THIS ACCOUNT MENTIONED ABOVE TO MY CONSUMER REPORT! 

Conns XXXX can not produce a disclosure that you were to provide to me, and you can not produce anything with my WET SIGNATURE showing that you had or have my consent to continue to unlawfully be on my consumer report. 

Due to Conns XXXX willful noncompliance and negligence Conns XXXX has not exercised your grave responsibility in fairness, impartiality and respecting my PRIVACY! 

In Conclusion, you have been put on notice about violating my Congressional given FCRA rights by not providing me with any disclosures as required by FEDERAL LAW and illegally reporting to my consumer reports WITHOUT MY WRITTEN CONSENT! 

Please be advised I am sure that Conns XXXX has gotten a kickback from the I.R.S. regarding this account. I never received a 1099C or Copy B from your company regarding this account. What I am considering is that if this account which has been reporting unlawfully on my consumer report, is not removed against my copyright name, I will report Conns XXXX to the I.R.S. using the 3949-A form for Tax Law Violations. You know that the I.R.S. loves a good audit because they typically find things that was once accidently overlooked.

Being that the entire United States has been up under a complete bankruptcy since 1933 and there is no lawful money, all the consumers debts are to be discharged to the United States per 18 U.S. Code 8 - Obligation or other security of the United States. Lawful money is considered gold and silver which we do not possess. Conns XXXX has been stealing not only from the Consumer but also from the United States Treasury and the United States Government. 
Please note that, The United States Code 12 U.S. Code 1431 - Powers and duties of banks explains the powers that financial institutions, banks, and credit unions have, and nowhere in this Federal Code written by Congress, does it state that financial institutions, banks, credit unions, etc. have the power to lend! This code does not state that financial institutions, banks, credit unions are able to lend simply because your financial institution does not have the power to lend!!!!. GAAP also advises that financial institutions do not have the ability to loan its own assets which begs the question of Where did the money you claim to have loaned me come from? It did not come from Conns XXXX or its affiliates. 
If you continue to report this account on my consumer report I will have no other choice but to sue Conns XXXX for the securities fraud it has committed against me. 
In the meantime, this account needs to be deleted from my consumer report because Conns XXXX did not provide me with any proper disclosures, and Conns XXXX does not have my written consent to disclose any transaction history, experiences, payments, etc.to any third party or affiliate to any of my consumer reports per : Federal Law - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

No transactional history should be reported on my consumer report for Conns XXXX. This violation needs to be deleted. Conns XXXX is in clear violation of 15 USC 1681 and all of its subsections. 

Conns XXXX is also in clear violation of 15 U.S. Code 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.

I should have never had any sort of debt when all of the consumers debts are the obligation of the United States according to 18 U.S. Code 8 - Obligation or other security of the United States defined : The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.

Delete this account referenced from my consumer report IMMEDIATELY!!!!! 


DELETE Conns XXXX listed on my consumer report. Your company is in violations of Multiple Federal Laws : 1. Conns XXXX Account # XXXX Failure to respond satisfactorily with the deletion of the above referenced account will result in legal action being taken against Conns XXXX, for which I will seek {$1000.00} per violation or more if I take this matter in front of a FEDERAL JUDGE : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 4. Possible Damages per Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 5. Aggravated Identity Theft per 18USC 1028 6. XXXX XXXX I hope you understand the severity of the situation. 

Thank you in advance. 



XXXX XXXX XXXX All Rights Reserved Without Prejudice UCC1-308

Company response to consumer: Closed with explanation