Consumer complaint received 2024-02-28 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: Conn's, Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 the following accounts demand deletions, Acct # XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX This account shows on all 3 CRA and i have found several inaccuracies and laws that has been broken in the process of me demanding the removal of this account. 1. XXXX XXXX stated that they have information that validates the alleged debt but have yet to provide the validation nor have they provided the agreement that i have with them stating i owe them this alleged debt, before parking this debt on my report i never was informed of my right to exercise my nondisclosure option. 2. The reporting of this debt from Rent recovery on XXXX has it listed as a charge-off but does not display that in comments or on any other CRA reports XXXX also XXXX and XXXX has 2 different dates as the Last Reporting date which goes against XXXX XXXX Compliance and FCRA Laws, Furthermore the last active dates differ across all XXXX cras, also XXXX has XXXX upon themselves to add a address [ XXXX XXXX XXXX XXXX XXXX ] to my account that does not belong to me neither i did not give them permission to add it even after them saying they cant locate my file in a previous complaint this goes against FCRA laws 15 U.S.C 1681 section 602 A. States I have the right to privacy i DEMAND THIS ACCOUNT BE DELETED, also remove all addresses from my consumer report except XXXX XXXX XXXX XXXX XXXX XXXX remove all other addresses for i can not get mail there. i have attached a piece of government mail to verify. Also this is a formal notice to XXXX XXXX XXXX that I wish to OPT OUT of any credit reporting to my consumer report I DO NOT CONSENT, On XXXX XXXX XXXX XXXX XXXX  Acct # XXXX this account is in violation of 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. child support accounts are not credit transactions and they are judgements. These accounts are in violation of the FCRA laws of 15 USC 1681 ( a ) ( 2 ) that requires credit bureaus to maintain accurate and reliable records. I requested theses violations be deleted immediately and a written confirmation within 30 days also judgments are not considered credit transactions, and it is illegal to report them on a credit report. based on case law. 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. I have the right to make sure my private information isn't shared which is backed by 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 information. Also the account listed as XXXX XXXX XXXX  with the account # XXXX XXXX XXXX XXXX inaccurately reported to my credit report which violates my consumer rights under FCRA consumer law 15 USC 166B. I called them to explain my hardship during covid and they decided to repossess my car, sell my car, and then charge it off on their taxes with the IRS, Now they are harassing me saying i owe them the debt that they charged off to the IRS including the monies they are trying to EXTORT me with. I asked them for the 1099C for my records and they said they do not have to give it to me. they have broken several laws but the one that sticks out to me is 18 U.S. Code 894- Collection of extensions of credit by extortionate means which states ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non repayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. ( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the non repayment thereof was punished by extortionate means. Also XXXX has removed this account because it was false and inaccurate but XXXX XXXX XXXX has not done so which breaks the law, all credit reporting must be accurate and fair. Also The Dates for Last Active on this XXXX XXXX account has inaccurate information as well. In accordance with fair credit reporting everything needs to be 100 percent accurate. In all three there was inaccurate information with this accounts. Furthermore : XXXX XXXX Account # XXXX has several inaccuracies across all 3 Consumer reporting agencies for years, which goes against the law XXXX has this account as Charged off since XX/XX/XXXX, XXXX shows good standing since XX/XX/XXXX up until XX/XX/XXXX which now shows a charge off, also the dates last active are way off and goes against accuracy of my credit report please delete the entire account and this is my Notice to XXXX XXXX to Opt Out All Credit Reporting. CONN APPLIANCES INC Account # XXXX XXXX has deleted this information but somehow XXXX and XXXX did not i demand this account be deleted as well in a timely matter 4 days. I encourage the CFPB to Look Into these matters as soon as possible please thanks

Company response to consumer: Closed with explanation