davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I closed my XXXX XXXX credit card on or about XX/XX/XXXX however my account is not completely accurate under the Metro 2 and FCRA mandatory requirements as the account data fields do not report my account as CLOSED BY CONSUMER with the required DATE CLOSED which is XX/XX/XXXX. To wit, my XXXX credit report of XX/XX/XXXX continues to inaccurately report my account as OPEN. XXXXXXXX XXXX and every CRA are NOT Metro 2 Compliant as the CLOSED account status with the date closed was required to be submitted electronically promptly upon closure to every CRA, not piecemeal or never, so that the inconsistency and prohibited Facially False Data was required to be caught by every CRA to assure maximum possible accuracy. Inadequate Internal controls at every CRA and XXXX constitute a violation of the FCRA as set forth in the XX/XX/XXXX advisory of the Director of the CFPB. Delete my account permanently.
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: REGIONS FINANCIAL CORPORATION (CA)

We accidently overpaid our account by {$4600.00}. We contacted XXXX XXXX XXXX and told them we overpaid and want a refund, Overpayment was made XXXX XXXX XXXX, it is now XX/XX/XXXX. I have been on phone numerous times with customer service and nothing gets resolved. They said they sent a check but we have seen no check. They say they stopped payment and issued new check over a month ago still nothing. They keep me on hold for hours. I am starting to get mad. Its like they are not going to give my money back.
Consumer complaint received 2024-06-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (NJ)

I use the Robinhood brokerage account, to receive an XXXX XXXX transfer to my wallet. 
later I found out that it is a Custodial wallet. 
I do not have access to a recovery phrase ..., this is not the RobinHood wallet, this is the RobinHood brokerage account, that I use for stocks. 
I sent XXXX  with XXXX from XXXX, I clicked on my XXXX wallet and I clicked receive in order to get the receiving code. 
Since XXXX and XXXX are on the same network, it still shows up in my wallet. 
that's not the problem. The problem is accessing those funds. being that I do not have a recovery phrase. The only people to have the recovery phrase to send back the amount to the original wallet is the management of XXXX XXXX and they've been tossing me back and forth and not working with me to recover These funds of * XXXX XXXX I'm hoping you will help me out here to recover this funds I will attach the information about this transaction here : Robinhood XXXX XXXX : XXXX Interacted with XXXX XXXXXXXX : XXXXXXXX XXXX wallet : XXXX Transaction XXXX XXXX XXXX
Consumer complaint received 2021-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (WI)

Friday XX/XX/2021 While paying at XXXX XXXX denied payment Called number given on banner to inquire Was told that my account had been frozen because Chase has detected fraud and made the decision to no longer maintain a banking relationship. 

Was connected to another rep and was told that I needed to provide statements regarding for XXXX XXXX XXXX Info and payments. 

ca. XXXX Spoke to ( representative ) at XXXX Main Office in XXXX. We were given minimal info or clarification and told to submit printouts for all XXXX payments. 

Monday XX/XX/2021 Met with ( NAME ) at XXXX at main branch office to submit paperwork. A phone representative informed us that this info would be checked with the respective Unemployment Departments. When asked for access to savings accounts, was told that they are frozen and that is not your money, it is fraudulently deposited by ( representative ). 

Tuesday, XX/XX/2021 Called WI XXXX and spoke to fraud advisor ( NAME ) Was told no fraud activity apparent. Called IDES and likewise, no fraudulent activity detected. 

Wednesday, XX/XX/2021 Email and letter to ( NAME ), Chase Bank
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their agency has on file that was used to verify the accounts I disputed. The 30 day mark has passed and Transunion can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA-they are required to... promptly delete all information which can not be verified. " that I have disputed. I am demanding that this issue is resolved as possible. 

Name and Address : Incorrect Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (KS)

On XXXX, 2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am extremely appalled by the recent investigation into items that I disputed last month. I disputed last month because my XXXX and XXXX accounts were never late and I submitted my proof of payment and forbearance status. I also had two XXXX accounts that were reporting inaccurately, and these accounts still report inaccurately. I submitted proof of payment and other form of proof that show these inaccuracies. These items still remained after their so called " investigation ''. These accounts are STILL being reported illegally. Earlier today, I received a letter stating that your investigation was complete. Your investigation could not have been thorough, if you used an automated system, E-OSCAR, Im sure you know this is not a complete legal investigation. Please delete immediately! 

Accounts to be updated to paid as agreed : 1. XXXX : XXXX 2. XX/XX/XXXX: XXXX Deleted : 1. XXXX : XXXX 2. XXXX : XXXX Proof : 1. For XXXX I have attached the documents detailing I was in forbearance. 
2. For XXXX I have attached my bank statements showing that payment was made for these dates. 
3. For both XXXX accounts, I have attached the payment agreement that I had with XXXX, as well as proof the amount was paid.
Consumer complaint received 2021-01-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NJ)

I keep receiving emails that I owe money to ace cash services for a {$500.00} loan that I never applied for nor accepted theyve threatened me with arrest seizure of my stuff court case lawyers legal fees threatened my financial stuff and these emails have come from two totally different people from two different states but any time Ive replied and asked they say ace cash I called ace cash this morning and they talked to me over the phone and said that I dont have any loans through them nor do I owe them any money what so ever. I googled this and it seems ace cash has a possible scam or that people have been impersonating them they told me with my name and email I had no loans through them because nothing popped up on their end.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CO)

On XX/XX/2023 I was alerted that COMENITY CAPITAL/XXXX XXXXhat someone was applying for a new line of credit under my maiden last name. I did not apply for new line of credit.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$490.00} XXXX XXXXBalance : {$1400.00} XXXX XXXX Balance : {$6300.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance : {$100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$490.00} XXXX XXXXBalance : {$1400.00} XXXX  XXXX Balance : {$6300.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance : {$100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance : {$790.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX # XXXX section 602 states i have right to privacy 15 USC 1681 Section 602 its also states a consumer report agency can not furnish an account without my written instructions 15 USC 1681C [ a ] Section states no consumer reporting agency may make and consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than XXXX years. 15 USC 1681- [ A ] a person shall not furnish any information relating to a consumer to a consumer reporting agency if the person knows of reasonable cause to believe that the information is inaccurata.
Consumer complaint received 2023-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I used XXXX XXXX XXXX XXXX for my icloud storage 100GB use and the balance was less than XXXX XXXX I was not alerted by my email or phone that the amount due was considered delinquent and turned over to credit reporting bureaus. This modest due amount has resulted in my stellar XXXX XXXX XXXX coming down to XXXX. I am searching for redress and compensation.
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act,. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX, Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX , Account name : XXXX XXXX XXXX XXXX , Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX , Account name : XXXX XXXX XXXX , Account name : XXXX XXXX , Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX , Account name : XXXX XXXX , Account name : XXXX XXXX  XXXX , Account name : XXXX XXXX, Account name : XXXX, Account name : XXXX, Account name : XXXX  XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX , Account name : XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX , Account name : XXXX XXXX XXXX , Account name : XXXX XXXX XXXX, Account name : XXXX XXXX , Account name : XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX , XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX , Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX , has violated my rights. 

15 U.S.C. 1681, Section 602A states : I have the right to privacy.

15 U.S.C. 1681, Section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crime that antedate the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.