Consumer complaint received 2024-03-10 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: National Credit Adjusters, LLC
State: FL

Complaint narrative:
Pursuant to the Fair Credit Reporting Act section 602 [ 15 U.S.C 1681 ] ( a ) clearly states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are companies that gather and report information about consumers ' credit histories, they are credit reporting agency 's. As a consumer, I have the authority to ensure that my personal information remains private and isn't shared without my consent. This right is supported by the law outlined in 15 USC 6801, which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' NATIONAL CREDIT ADJUSTERS , L.L.C is a financial institution by definition under that title. Also under the Fair Credit Reporting Act section 604 [ 15 U.S.C 1681b ] ( a ) ( 2 ) states " In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. '' NATIONAL CREDIT ADJUSTERS , L.L.C the financial institution and the Consumer reporting agency 's XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, NATIONAL CREDIT ADJUSTERS , L.L.C whether it be verbal, non-verbal, written, implied or otherwise is revoked. As well under 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' NATIONAL CREDIT ADJUSTERS , L.L.C Never informed me of my right to exercise my nondisclosure option. Also 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. The account that they are reporting is an adverse item they are reporting again without my permission which is against the law. also under the Fair Credit Reporting Act 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. XXXX, XXXX, NATIONAL CREDIT ADJUSTERS , L.L.C are reporting information solely as to transactions or experiences between the consumer and the person making the report which is a violation of the FCRA. The Fair Credit Reporting Act also states " 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ''. XXXX, XXXX, NATIONAL CREDIT ADJUSTERS , L.L.C have been reporting this account since XXXX XXXX, 2020 and are currently reporting it, every month this account has been reported is a violation of the FCRA and they are liable to me the consumer.

Company response to consumer: Closed with explanation