Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Herbert P. Sears Co., Inc. (NV)

On XXXX, XXXX, XXXX I checked my consumer credit report and noticed that the company, HP Sears, was reporting on it, for the second time, without my written permission to do so. I had already filed a CFPB complaint against HP Sears ( case # XXXX filed XX/XX/XXXX ) for attempting to collet a debt I did not owe them and for violating the Fair Debt Collection Practices Act and violating a " Cease and Desist '' demanding they stop contacting me about a debt sent to them on XX/XX/XXXX ( Certified Mail # XXXX XXXX XXXX XXXX XXXX with XXXX  Form XXXX # XXXX XXXX XXXX XXXX XXXX XXXX signed by one of their agents on XX/XX/XXXX ). I disputed this debt with the the three credit reporting agencies and the end result was the account being " REMOVED '' from my consumer credit report. HP Sears did not have permissible purpose then and STILL does not have permissible purpose now to furnish my personal consumer information to any consumer reporting agencies and report inaccurate information to it. I have not entered any consumer credit transactions with this company, have never done business with this company, and have never given them my written permission or any type of permission to obtain my personal information and furnish any information to anyone, therefore, HP Sears is reporting to my report without my permission and violating my right to privacy. I believe their intent is to bring harm to my Person and ruin my credit worthiness and coerce me into paying a debt I am not obligated to pay. This is unlawful. This also shows a " willful noncompliance '' on the part of HP Sears per 15 USC subsection 1681n, as this is my second time filing a complaint against them for reporting to my consumer credit report without my written consent and, again, directing them to not do so. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private nonpublic information is not shared with just anyone. Per 15 USC 1681 Section 604 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 whom its relates. '' HP Sears XXXX XXXX and XXXX do not have my written consent, and all any and all consent, whether implied, verbal non-verbal or otherwise is revoked per 12 CFR subsection 1016.7, which states that " a consumer may exercise the right to opt out at any time. This is Notice that I opt-out. 15 USC subsection 1681 s-2 ( A ) ( 1 ) states " A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. '' I know this information is inaccurate and does not belong on my consumer credit report and should be removed immediately. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b oof this title. '' XXXX XXXX XXXX are not maintaining reasonable procedures, as I have already disputed this account previously and it was " REMOVED '' previously.