Consumer complaint received 2023-11-15
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT 20 USC 1232g ( b ) The debt in this matter has been cancelled and aside from that I did not give this company authorization to sell or share my personal information with third party creditors or agencies. According to the fair credit reporting Act 15 USC 1681 section 602 ( a ). It states that " there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, and respect for the consumer 's right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the consumer. 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 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 customers ' nonpublic personal information Aidvantage/Navient 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 who it relates. Aidvantage/Navient 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. All consent to XXXX, XXXX and XXXX. Aidvantage/Navient rather it be 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 unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Aidvantage/Navient never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681c ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), but no consumer reporting agency may also 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 seven years. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S code 1681s-2 ( A ) ( I ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency shall maintain reasonable cause to believe that the information is inaccurate. 15 U.S code 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designs to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and XXXX do not maintain reasonable procedures. Also 12 CFR 1016.7 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: In progress