Consumer complaint received 2023-03-17
Company: Zions Debt Holdings
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Demand statutory compensation of {$1000.00} and deletion of accounts on my consumer report file. XXXX XXXX XXXX has violated XXXX XXXX XXXX ( an account representative ) emailed consumer stating that the furnisher does not need permission to report on consumer report and furnisher dont need to protect the privacy of the consumer Upon my review of my consumer reports it has come to my attention that you ( XXXX  XXXX XXXX XXXX are reporting an account/accounts to my consumer reports that I did not give you express permission or permissible purpose to report. 15 USC 1681 b ( 2 ) As a consumer I have the right to privacy pursuant 15 USC 1681, 15 USC 1692, 15 USC 16 801 My private information is my business, the alleged accounts are my private information, you have reported my private information without my consent. Your actions constitute aggravated identity theft. 

18 USC 1021 ( A ) As a consumer you have an obligation to protect my personal non-public information. 

15 USC 6801- Protection of nonpublic personal information 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 consumers You reported my confidential and private information to a non-affiliated third party without my permission or without giving proper disclosures. 

Pursuant 15 USC 6802 15 USC 6802- Obligations with respect to disclosures of personal information A financial institution may not disclose nonpublic information to a non-affiliated third party I am requesting all my disclosures pursuant 15 USC 802 B that you should conspicuously disclose to me before reporting of my nonpublic information to non-affiliated third parties I am exercising my right to opt out of having my information reported pursuant 15 USC 6802 B Your actions has caused me and my family severe mental anguish, defamation of character You ( XXXX XXXX XXXX ) have stolen my identity, violated my consumer rights, my right to privacy and the obligation you have to maintain the security and confidentiality of my private information. 

18 U.S. Code 1028AXXXX Aggravated identity theft Whoever during and in relation to any felony violation, knowingly transfers, possess, or uses without lawful authority Furthermore you have no lawful authority or permissible purpose to put any account on my consumer reports 15 US Code 1681n- Civil liability for willful noncompliance In general, any person who willfully fails to comply with any requirement out of this subchapter is liable to this 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 ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation