Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (MD)

To whom it may concern, I, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, want to dispute information on my consumer credit report, as provided by your company XXXX. Upon viewing the reported information provided by your company, whom I have never done business with or am I affiliated with. and let the record reflect I never received or agreed to any written agreements and non-disclosures from XXXX to report this information to the public or third party affiliates or give any consent to use my information for profit. it was quite disturbing to find numerous violations, inaccurate personal and private information, and inaccuracies obtained from my consumer report on your company 's file. Notice it is a fact, that 15 USC 1681 ( a ) clearly states the importance of accuracy and fairness of credit reporting. my consumer report profile has my " person '' name spelled incorrectly. The report also entails non-mailable addresses, which puts my identity at risk. personal phone number which is private information that needs to be deleted to avoid unwanted phone calls from robo-callers and scammers. I demand that you investigate and correct this matter as soon as possible to avoid any more stress and duress. The inaccurate information pertains to the following : [ CARMAX AUTO FINANCE ... XXXX ] [ XXXX XXXX XXXX ... XXXX ] [ XXXX XXXX XXXX XXXX ... XXXX ] I would like to bring your attention to the accounts above have been filed and ACCEPTED by the Internal Revenue Service via 1099C Cancellation of debt. The mentioned above accounts, which are charged off are considered certificates of indebtedness, which is income according to the IRS. This is inaccurate reporting and needs to be removed immediately. The following federal laws, which I believe may be relevant to my case, 15 USC 6802 ( Right to Financial Privacy Act ) : Obligations concerning disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. i am invoking my right to ( b ) Opt-out, of the above mentioned accounts. ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 USC 1681b ( Fair Credit Reporting Act ) : Permissible purposes of consumer reports A 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 or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates 18 USC 1028A ( Aggravated Identity Theft ) : Aggravated identity theft ( a ) Offenses.- ( 1 ) In general.-Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. I kindly request that you promptly investigate this matter and provide me with the results of your investigation. when you find that the information is inaccurate, please correct it in accordance with the law. Additionally, 12 CFR 106.7 FORM OF OPT NOTICE TO CONSUMER ; OPY OUT METHODS please provide me with a copy of this notice for my records.. Thank you for your prompt attention to this matter. I expect a speedy and timely resolution in compliance with federal laws. Your cooperation in this regard is greatly appreciated in this time-sensitive matter.