Consumer complaint received 2024-07-05 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
Late Payments ( 15 U.S. Code 1666b ) Charge Off 's ( 15 U.S. Code 1601 ) Repossessions ( 15 U.S. Code 1601 ) Bankruptcy 's ( 15 U.S. Code 1681b ) Collections ( 15 U.S. Code 1692c ) Hard Inquiries ( 15 U.S. Code 1602p ) 15 is code 6802 obligations with respect to disclosure of personal informations I need all inquiries get removed! And 15 usc code 6805 Enforcement ( A ) To remove the inquirys And putting my score to 850 if you find any charge offs they are certificates of indebtedness which means its converted into money and you can not put onto credit report.

According to the fair credit reporting act 15, USC 1681 section 602 states there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to privacy XXXX and experience our consumer reporting agencies and I the consumer I have the right to make sure my private information isnt shared Which backed by 15 USC 6 801 which states it is the policy of the Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of its customer and to protect the security and confidentiality Those customers nonpublic personal information.

Furniture of information to create agencies is a financial institution by definition under that title 15 USC 1681 section 604 section 2 states that in general subject to section C, any consumer reporting agency may furnished a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates the financial institution and the consumer reporting agency do not have my consent to furnace this information and they surely do not have my written consent or XXXX any and all consent to XXXX, XXXX XXXX and XXXX whether it be verbal nonverbal written implied non-written or otherwise is revoked 15 USC 6 802 section B section C states that a financial institution may not disclose non-public personal information to a non-affiliated third-party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option never inform me of my right to exercise my nondisclosure option not only that 15 USC 1681C section a five states accept as authorized under subsection B no consumer reporting agency may make any consumer reporting 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. 

This account is an adverse item. They are reporting again without my permission which is against the law 15 US code 16 812 section one a states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is in accurate 15 USC code 1681 E. states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681C of this title and to limit the furnishing of consumer reports to the proposed listed on section 1681B of this title XXXX and XXXX XXXX are not maintaining reasonable procedures also 12 CFR 1016.7 states that a consumer may exercise the right to opt out at any time, Im opting out of your reporting services..

Charged off mean certificate of indebtedness That can not be reported on my credit report according to the IRS Publication income can not be reported it can only come on my income tax

Company response to consumer: Closed with explanation