Consumer complaint received 2024-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
Subject : Revocation of Consent and Request for Compliance with Federal Law To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, it is essential that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. As a consumer, I am asserting my rights under the law to ensure the protection of my private information.

Revocation of Consent : Under 15 USC 1681 section 604 ( a ) ( 2 ), I hereby revoke any and all consent, whether verbal, non-verbal, written, implied, or otherwise, for XXXX to furnish my nonpublic personal information to any third party, including furnishers of information to credit agencies. This revocation is effective immediately. 

Compliance with Privacy Laws : It is the policy of Congress, as outlined in 15 USC 6801, that each financial institution has a continuing obligation to respect customer privacy and protect the security of nonpublic personal information. I assert that XXXX, and any furnisher of information to credit agencies are obligated under federal law to uphold these standards. 

Violations and Request for Correction : I have identified several violations of the FCRA : XXXX have not obtained my written consent as required under 15 USC 1681 section 604 ( a ) ( 2 ).

I was not informed of my right to exercise a nondisclosure option as mandated by 15 USC 6802 ( b ) ( c ).

The consumer report contains adverse information without my authorization, contrary to 15 USC 1681c ( a ) ( 5 ).

Information furnished to consumer reporting agencies appears to be inaccurate or inadequately verified, which violates 15 USC 1681s2 ( a ) ( 1 ) and 15 USC 1681e. 
XXXX have failed to maintain reasonable procedures to ensure the accuracy and purpose of consumer reports, as required by federal law. 

Opt-Out Request : Per 12 CFR 1016.7, I am exercising my right to opt out of your reporting services. Please cease all reporting of my personal information to any third party immediately. 
I demand that XXXX : Cease reporting any information related to me until all violations are addressed and corrected. 

Provide irrefutable proof of compliance with XXXX XXXX standards and all federal regulations governing the accuracy and privacy of consumer information. 
Provide documentation showing that all adverse information on my consumer report complies with statutory limitations. 

( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 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 of this title. XXXX is not maintaining reasonable procedures.

Company response to consumer: Closed with explanation