Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
XX/XX/2024, XXXX XXXX, XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. 
Re : Dispute of XXXX XXXX on XXXX XXXX Account Number : XXXX. 

I am writing to formally dispute a XXXX account that has appeared on my recent XXXX XXXX, obtained from XXXX and XXXX. 
After conducting thorough XXXX, I discovered that this XXXX violates the Fair Credit Reporting Act ( FCRA ) due to the nature of the reporting by your institution. There are XXXX violations associated with the reporting of this account on my XXXX XXXX. I will highlight each violation : According to 18 USC 1028 ( d ) ( 12 ) - Financial institutions transporting and transferring XXXX XXXX information related to the consumers transactions and experiences with the financial institution is a Trafficking and XXXX XXXX violation - which is considered financial fraud according to the Fair Credit Reporting Act. In my case, XXXX XXXX is trafficking my XXXX XXXX information in regards to a XXXX XXXX line of XXXX account I allegedly had with XXXX XXXX to XXXX and XXXX- which is a XXXX XXXX party. The Fair Credit Reporting Act ( FCRA ) has been breached by XXXX XXXX. As per the FCRA regulations, every " XXXX institution, '' including XXXX XXXX, is required to furnish an XXXX and a XXXX XXXX Form XXXX, issued by them, to the consumer. Given that XXXX XXXX placed the account for XXXX without selling the account to a XXXX XXXX party creditor- they are the XXXX agency and the XXXX institution in this situation. The consumer must sign this form XXXX to grant the XXXX institution XXXX XXXX to disclose any XXXX XXXX information associated with any XXXX XXXX number linked to ANY consumer. XXXX XXXX neglected to comply with this requirement, constituting a violation of the Fair Credit Reporting Act. 
In my case, I was not issued any such notice, nor did I authorize via XXXX  signature any opt out or XXXX - which clearly and conspicuously proves that XXXX XXXX has committed XXXX fraud according to the grounds of the Fair Credit Reporting Act. There is no XXXX mail from XXXX XXXX with a return receipt and signature by me, linking such a document to my XXXX XXXX. Delete this file immediately and forever. 
**Inaccurate Representation of XXXX XXXX : ** XXXX this account as a XXXX debt inaccurately represents my XXXX standing. While the debt may have been reported as income on XXXX  XXXX XXXX, it remains an XXXX event and not a XXXX debt that can be XXXX XXXX. This misrepresentation could have a XXXX impact on my XXXX and XXXX opportunities. 
According to the FCRA, XXXX XXXX are prohibited from reporting XXXX XXXX information to XXXX XXXX parties like XXXX, XXXX and XXXX. The inclusion of this XXXX account on my XXXX XXXX is a clear violation of the Act, as it discloses XXXX XXXX information derived from XXXX XXXX transactions between myself and XXXX XXXX- which is the XXXX institution I performed XXXX XXXX transactions with. Please delete this account immediately. XXXX and XXXX is merely a XXXX XXXX party entity that decided to perform a XXXX transaction with XXXX XXXX to acquire my XXXX XXXX - and this was done without issuing me any notice or asking for any permissible purpose for my XXXX XXXX information to be shared with them. 
I kindly request that you investigate this matter promptly and provide me with a detailed explanation of the circumstances surrounding the reporting of this XXXX account. Furthermore, I request that you take immediate action to correct this error by notifying XXXX, XXXX and XXXX to delete this account from my XXXX XXXX. 
Please provide me with XXXX confirmation once the investigation is complete and the necessary corrections have been made. Additionally, I request that you furnish me with a copy of the revised XXXX XXXX  reflecting the accurate and updated information. 
I appreciate your prompt attention to this matter and expect a thorough and timely resolution in accordance with the provisions of the Fair Credit Reporting Act. Failure to comply with the FCRA may result in legal action. 
Thank you for your cooperation in rectifying this matter promptly. I look forward to your timely response. Please see the attached enclosures that visually display all violations committed - along with information to verify my XXXX as the consumer disputing this transaction. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation