Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (SC)

I am writing to express my concern regarding the unauthorized sharing of my private information, which I believe violates the Fair Credit Reporting Act ( FCRA ) and related regulations. As outlined in Section 602 of the FCRA ( 15 USC 1681 ), it is imperative that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. It has come to my attention that XXXX, a recognized consumer reporting agency, has been sharing my personal information without my explicit consent. This action contravenes Section 604a ( 2 ) of the FCRA, which specifies that consumer reports may only be furnished with the written instructions of the consumer in question. I have not provided such authorization to these agencies or the financial institutions in question, namely XXXX XXXX XXXX XXXX  and Jefferson Capital System. Furthermore, it is my understanding, as per 15 USC 6802 ( b ) ( c ), that financial institutions are obligated to inform consumers of their right to exercise nondisclosure options regarding their nonpublic personal information. However, I have not been duly informed of this right by XXXXXXXX XXXX XXXX XXXX or Jefferson Capital System. Moreover, the inclusion of adverse information in my consumer report without my consent, as per 15 USC 1681C ( a ) ( 5 ), is a direct violation of the law. Additionally, the sharing of inaccurate information, as prohibited by 15 USC 1681s-2 ( a ) ( 1 ), reflects a failure to maintain reasonable procedures, as mandated by 15 USC 1681e . In light of these infringements, I am hereby exercising my right to opt out of your reporting services, as stipulated by 12 CFR 1016.7. I trust that you will promptly address this matter and take the necessary steps to rectify these violations. Failure to do so may result in further action to safeguard my rights and privacy under the law. As a conscientious consumer, I believe it is essential to ensure accuracy and compliance with applicable laws and regulations. 
I would like to clarify that my name is XXXX XXXX XXXX XXXX XXXX I have recently noticed that the latter name is inaccurately associated with my credit profile. Per the Privacy Act of 1974, I assert my right to privacy and request the immediate removal of the incorrect name from my records. Furthermore, I must bring to your attention the inaccurate reporting of the XXXX XXXX XXXX account. This account has been charged off, rendering it a certificate of indebtedness. As such, it falls under IRS regulations, where it is recognized as income and therefore can not be lawfully reported on my credit profile. Additionally, it has come to my attention that my Social Security Number ( SSN ) has been utilized for each account and inquiry associated with my credit report. This practice directly contradicts the guidelines outlined in 5 USC 522a, which stipulates that SSNs should not be disclosed to unauthorized parties. This unauthorized use of my SSN raises serious concerns regarding potential fraudulent activity. I urge you to promptly investigate these matters and take appropriate actions to rectify the inaccuracies in my credit report. Furthermore, I request that you implement measures to prevent similar violations from occurring in the future. Please provide me with a written response detailing the steps taken to address these issues within a reasonable timeframe. Thank you for your attention to this matter. I trust that you will handle this complaint with the seriousness and urgency it warrants.