Consumer complaint received 2023-01-27
Company: Self Financial Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This company has continually failed to comply, intentionally, and has additionally violated my federally protected consumer rights to privacy and confidentiality. Self/Inc Lead Account ( XXXX ) also reporting not 100 % accurate across bureaus. Under 15 USC 1681 ( a ) ( 4 ) -I have the right to privacy.

15 USC 1681b ( a ) 2 -states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. Under 15 U.S. Code 1681c ( a ) ( 5 ) -states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 

This account reporting is clearly adverse information. In addition to this, I was not CLEARLY AND CONSPICUOUSLY provided with outlines of my consumer rights to opt out from credit reporting PRIOR to this account hitting my credit report.

15 U.S. Code 6801 each financial institution has an obligation to respect the privacy of its customers and to protect the security/confidentiality of their nonpublic personal info. 15 U.S. Code 6802 ( a ) business may not disclose to a nonaffiliated third party any non-public personal information ( b ) Opt out ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given opportunity to direct that info not be disclosed to such third party ; AND ( C ) the consumer is given an explanation of how they can exercise that option.

15 USC 6809 ( 5 ) " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution. 

Nonaffiliated XXXX party = CREDIT BUREAUS ( XXXX, etc ) 15 USC 6809 ( 5 ) Affiliate means any company that controls, is controlled by, or is under common control-your company and bureaus are not.

15 U.S. Code 6809 ( A ) " nonpublic personal information '' means PERSONALLY IDENTIFIABLE FINANCIAL INFORMATION ( ii ) resulting from ANY transaction with the consumer or any service performed for the consumer ; ( B ) Such term does not include publicly available information.

Resulting from ANY transaction= ALL. This was ONLY made available by you reporting this. I did not give this consent and you continue to report this with all disregard to law.

After research and recent consultations, I will have to proceed with legal action for the violations that this company has ALREADY committed if this account is not removed from my credit report. This company is liable for damaging my reputation and for no respect to federally protected consumer rights to privacy and confidentiality. 

In addition ( just for records sake ) I will use all certified mail receipts, exhibits, phone records and recording for legal purposes going forward, if needed.

Company response to consumer: Closed with explanation