Consumer complaint received 2025-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Self Financial Inc.
State: MI

Complaint narrative:
15 U.S.C. 1681 ( b ) ( b ) '' refers to a part of the Fair Credit Reporting Act ( FCRA ) which states that a consumer report must be kept confidential and used solely for the permissible purpose described in the request, meaning the information within the report can not be disclosed or used for any other reason not directly related to the intended use ; essentially, it mandates the privacy of consumer credit information. 

1681b. Permissible purposes of consumer reports A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
( XXXX ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer. 
( Pub. L. 90 321, title VI, 604, as added Pub. L. 91 508, title VI, 601, Oct. 26, 1970, 84 Stat. 1129 ; amended Pub. L. 101 73, title IX, 964 ( c ), Aug. 9, 1989, 103 Stat. 506. ) Amendments 1989-Par. ( 1 ). Pub. L. 101 73 inserted ", or a subpoena issued in connection with proceedings before a Federal grand jury '' before period at end.

Section Referred to in Other Sections This section is referred to in sections 1681a, 1681e, 1681f, 1681s 1, 1692d of this title.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S. Code 1681a - Definitions ; rules of construction Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. 
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. 

The legal definition of a person is an entity that the law recognizes as having its own distinct personality, and is capable of possessing legal rights and liabilities. The law has classified everything as either a " person '' or a " thing '' since XXXX times. 

The legal definition of " person '' in the United States is defined in 18 U.S.C. 2510 ( 6 ) as : Any individual person, Natural and legal entities, and United States and state agents.

The term " person '' includes a wide range of entities, such as : Corporations, Partnerships, Associations, Other unincorporated bodies, Body politic, Foundations, Labor organizations, Firms, Societies, and Joint stock companies. 
In many jurisdictions, things that are usually considered to be property are classified as legal persons. For example, in court cases regarding religious entities, the deity is considered a " legal person ''. 


15 U.S. Code 1692c is a section of the Fair Debt Collection Practices Act ( FDCPA ) that prohibits debt collectors from communicating with third parties in connection with debt collection without the consumer 's consent or a court order.

I asked them to please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. it says paid off, then it says closed, it also shows a address that's not mine. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Company response to consumer: Closed with explanation