Consumer complaint received 2023-02-06
Company: CBC Companies, Inc.
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 6803- Disclosure of institution privacy policy ( a ) ( 1 ) ( 2 ) ( 3 ). 15 U.S. Code 1681b - Permissible purposes of consumer reports ; ( A ) ( 2 ). 15 U.S. Code 1681- Civil Liability for willful non compliance ( A ) ( 1 ) ( a ) ( b ) 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 ; 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 maximum possible accuracy of the information concerning the individual about whom the report relates..

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.

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