Consumer complaint received 2022-05-21
Company: Bay Area Receivables, Inc
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Account Number XXXX Date Opened XX/XX/XXXX Last Activity XXXX XXXX, XXXX Original Creditor XXXX XXXX BANK N A Status Open Type Individual High Balance {$1400.00} Unpaid Balance {$1400.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX CRED XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX _________________________________________________________________ in accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Type Individual High Balance {$360.00} Unpaid Balance {$360.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Date Opened XX/XX/XXXX Last Activity XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Type Individual High Balance {$270.00} Unpaid Balance {$270.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor PEAK PROPERTY CASUALTY IN Status Open Type Individual High Balance {$120.00} Unpaid Balance {$120.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Placed For Collection Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX OF XXXX Reported XX/XX/XXXX _________________________________________ in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor Status Closed Type Individual High Balance {$640.00} Unpaid Balance {$0.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Account Closed By Credit Grantor Collection Agency XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ________________________________________________ in XXXX with the Fair Credit Reporting act XXXX Account # XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX Status Closed Type Individual High Balance {$1000.00} Unpaid Balance {$0.00} Highest Adverse Rating Collection/Charge-off Most Recent Adverse Rating Collection/Charge-off Comments Paid Collection Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation