Consumer complaint received 2024-12-13 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: Self Financial Inc.
State: PA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a 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, XXXX and XXXX XXXX are consumer reporting agencies and I am the consumer. I have a right to make sure my private information isnt shared, which is back by 15 US C 6801 which states It is the policy of the Congress, that each financial institution has a affirmative and continuing obligation to respect the privacy of his customers, and to protect the security and confidentiality of those customers non-public personal informationXXXX XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604A a section 2 states that in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the fallen circumstances, and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX XXXX, the financial institution in the consumer, reporting agencies, XXXX, XXXX, and XXXX XXXX do not have my consent to furnish this information and they definitely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX XXXX, and The XXXX XXXX XXXX XXXX XXXX whether it be verbal, nonverbal, written, imply, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) States that A financial institution may not disclose nonpublic personal information to a non-affiliated third-party unless the consumer is given the explanation of how the consumer can exercise that nondisclosure option. The XXXX XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option, 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 crime, 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 USC subsection, 1681 s-2 ( A ) ( 1 ) A states A person should not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable, call us to believe that the information is in accurate. 15 USC subsection, 1681e 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 purposes, listed under section 1681b of this title. XXXX, XXXX and XXXX XXXX are not maintaining reasonable procedures. Also, 12 CFR subsection, 1016.7 states that a consumer may exercise the right to opt out at any time. I am opting out of The XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All in accuracies placed on consumer reports are grounds for immediate deletion by law.

Company response to consumer: Closed with explanation