Consumer complaint received 2023-03-16
Company: Unifin Inc.
State: PA
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:
Good Evening CFPB, I have been checking my Consumer Report from XXXX XXXX. When I contacted XXXX XXXX about a 3rd party on my Consumer Report XXXX XXXX advices me to contact them directly. Which I did. Unifin Inc. was the 3rd party who I contacted directly since Unifin Inc. sent me this fraudulent documents which I have enclosed with this complaint.CFPB, I have also enclosed the certified mail receipt and the letter which I sent to Unifin Inc. Unifin Inc XXXX responded with a letter from another company XXXX XXXX XXXX XXXX and a bill. My letter didn't request either. 

Federal Law 15 USC 1681 ( a ) ( 4 ) clearly states : ( a ) Accuracy and Fairness of Credit Reporting ( 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 the credit worthiness, credit standing, credit capacity, character, and general reputation of Consumers. 
( 3 ) Consumers 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.

Federal Law 15 USC 1681a- ( e ) clearly states : ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Federal Law 15 USC 1681b clearly states : ( a ) In general Subject to subsection ( c ), any Consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal Grand Jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
In accordance with the written instructions of the Consumer to whom it relates. 

Federal Law 15 USC 1681q clearly states Obtaining information under false pretenses. Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years or both. 

CFBP, Clearly Unifin Inc has Violated my Consumer 's Rights as it is stated above and are continuing to commit Identity thief which is another Consumer Violation.

Company response to consumer: Closed with explanation