Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else
Company: Nelnet, Inc.
State: CA

Complaint:
I am in possession of the documents submitted by Great Lakes as proof that I obtained a lease from them. They did not provide anything with my signature and nothing showing they verified my identity. They did not provide any proof that I consented to their company sharing my private and personal information with a third party, including credit reporting agencies. Please provide SIGNED DOCUMENTATION of this consent to share private information with third parties or assume you do not have any. The consent must be signed separately from the lease per federal law. At this point I have made multiple attempts for this company to cease sharing all personal and private information with ANY AND ALL THIRD PARTIES, INCLUDING CREDIT REPORTING AGENCIES AND THEY HAVE NOT COMPLIED TO FEDERAL LAW. They quote that a wet signature is not needed by the law they cited but by that same law they are also required to provide an option to opt out of electronic services where they clearly and conspicuously explain the softwares needed to use these services and express ability to opt out. Please provide this documentation as well. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 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 in 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. So far none of this has been provided. It is my right as a consumer and they are refusing to cooperate in good faith.

According to 15 U.S. Code 7001 - General rule of validity, ( c ) Consumer disclosures ( 1 ) Consent to electronic records Notwithstanding subsection ( a ), if a statute, regulation, or other rule of law requires that information relating to a transaction or transactions in or affecting interstate or foreign commerce be provided or made available to a consumer in writing, the use of an electronic record to provide or make available ( whichever is required ) such information satisfies the requirement that such information be in writing if ( A ) the consumer has affirmatively consented to such use and has not withdrawn such consent ; ( B ) the consumer, prior to consenting, is provided with a clear and conspicuous statement ( i ) informing the consumer of ( I ) any right or option of the consumer to have the record provided or made available on paper or in nonelectronic form, and ( II ) the right of the consumer to withdraw the consent to have the record provided or made available in an electronic form and of any conditions, consequences ( which may include termination of the parties relationship ), or fees in the event of such withdrawal ; ( ii ) informing the consumer of whether the consent applies ( I ) only to the particular transaction which gave rise to the obligation to provide the record, or ( II ) to identified categories of records that may be provided or made available during the course of the parties relationship ; ( iii ) describing the procedures the consumer must use to withdraw consent as provided in clause ( i ) and to update information needed to contact the consumer electronically ; and ( iv ) informing the consumer ( I ) how, after the consent, the consumer may, upon request, obtain a paper copy of an electronic record, and ( II ) whether any fee will be charged for such copy ; ( C ) the consumer ( i ) prior to consenting, is provided with a statement of the hardware and software requirements for access to and retention of the electronic records ; and ( ii ) consents electronically, or confirms his or her consent electronically, in a manner that reasonably demonstrates that the consumer can access information in the electronic form that will be used to provide the information that is the subject of the consent ; None of which has been provided.

Company response to consumer: Closed with explanation