Consumer complaint received 2025-10-29 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: Harvard Collections, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX Harvard collection 1. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. This account needs to be validated. 
XXXX XXXX Account Number : XXXX Please delete immediately. 
3. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.

4. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. This account needs to be validated. 
XXXX XXXX XXXX Account Number : XXXX Please delete immediately. 
6. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX SELFREPORTED Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
7. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX SELFREPORTED Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
8. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX SELFREPORTED Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
9. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX SELFREPORTED Account Number : XXXX Please correct/update this inaccurate information on my credit report.

10. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX  SELFREPORTED Account Number : XXXX Please correct/update this inaccurate information on my credit report.

11. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX  SELFREPORTED Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
12. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX SELFREPORTED Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
Section 1681b ( a ) ( 2 ) of Title 15 of the United States Code ( 15 USC 1681b ( a ) ( 2 ) ) is part of the Fair Credit Reporting Act ( FCRA ), which regulates the collection and use of consumer credit information. This section addresses the permissible purposes for which consumer reporting agencies may furnish consumer reports. Specifically, 15 USC 1681b ( a ) ( 2 ) states that consumer reporting agencies may provide consumer reports to parties that have a permissible purpose, and one of the permissible purposes is : " ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' This provision means that a consumer reporting agency can provide a consumer 's credit report to a party if the consumer has given written consent or instructions for the release of their own credit report. For example, if a consumer is applying for a loan or credit and wants to provide their credit report to the lender, they can give written consent for the release of their report.

It's important to note that there are other permissible purposes listed in the FCRA, such as for credit applications, employment background checks, insurance underwriting, and legitimate business transactions, among others. Consumer reporting agencies are required to verify and ensure that the request for a consumer report falls under one of these permissible purposes before releasing

Company response to consumer: Closed with explanation