Consumer complaint received 2022-08-18
Company: TRUIST FINANCIAL CORPORATION
State: DE
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:
My name is XXXX XXXX, a federally protected consumer and I am making this complaint against Regional Acceptance Corporation for committing identity theft. On XX/XX/2022 I filed a complaint with the CFPB because I did not give Regional Acceptance Corporation my consent to furnish my nonpublic personal information to non affiliated third parties XXXX, XXXX and XXXX. In accordance with 15 USC 1681b ( a ) ( 2 ) 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. I, XXXX XXXX, did not give Regional Acceptance Corporation any written instruction to furnish any information on my credit report. On XX/XX/2022 I submitted a complaint through the CFPB and received a response on XX/XX/2022 from XXXX XXXX, Account Service Analyst. In the response XXXX XXXX advised that when I signed a contract with Regional I gave them permission to report to the credit reporting agencies. XXXX XXXX also stated that Regional is required under the FCRA to report accurate data, including but not limited to payment history, to the credit reporting agencies. Without my consent I am aware that those statements from XXXX XXXX were false, misleading and inaccurate. Pursuant to federal law 15 USC 1681a ( d ) ( 2 ) ( i ) consumer reports does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. On XX/XX/2022 I reached out to Regional Acceptance Corporation on a recorded line and confirmed that they had received my cease and desist that was dated on XX/XX/2022. Federal Law 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. According to 15 USC 1692a ( 2 ) communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. My consumer report is a medium, so Regional Acceptance Corporation is violating the cease and desist. By furnishing this information without my consent Regional Acceptance Corporation is committing identity theft pursuant to 15 USC 1681a ( q ) ( 3 ) The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Attached is a copy of cease and desist, correspondence from XXXX XXXX, and FTC Report : XXXX. Pursuant to federal law, 15 USC 1681c2 ( a ) ( 2 ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of a copy of an identity theft report. I demand that this account be removed from my consumer report and that the consumer reporting agencies be notified of change. If Regional Acceptance Corporation continues to unlawfully furnish this information. Regional Acceptance Corporation will be held liable for aggravated identity theft pursuant to 18 USC 1028A. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation