Consumer complaint received 2023-06-04
Company: R.M. Galicia, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Account # : XXXX XXXX - Account Type : Open account XXXX  - Account Type - Detail : Open account Collection - Bureau Code : Individual account Individual - Account Status : - XXXX - Monthly Payment : - - - Date Opened : XX/XX/XXXX XX/XX/XXXX - Balance : {$1200.00} {$1200.00} - No. of Months ( terms ) : - Unknown - High Credit : - - - Credit Limit : - - - Past Due : - - - Payment Status : - Seriously past due date / assigned to attorney, collection agency, or credit XXXX & XXXX ; XXXX internal collection department - Last Reported : XX/XX/XXXX XX/XX/XXXX - Comments : Account information disputed by consumer Account information disputed by consumer under the Fair Credit Reporting Act Date Last Active : XX/XX/XXXX XX/XX/XXXX - Date of Last Payment : - - According to the research of the Fair Credit Reporting act 15 USC 1681 section 602 ( a ) states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information is not shared, which is backed by 15 USC 6801 which states. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers, non-public personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX,, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX, ( Furnisher of information to credit agencies ) whether it is verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information of credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not on that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681 e states : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that A Consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

Company response to consumer: Closed with explanation