Consumer complaint received 2024-01-08 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: Early Warning Services, LLC
State: IL

Complaint narrative:
Per FCRA 604 ( 2 ) Permissible Purposes & Opt out ; as a federally protected consumer Early warning services Located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX denied my federally protected RIGHT to opt out as well as a direct violation of Permissible Purposes. Except as otherwise provided in 15 USC 6802 afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of 15 USC 6803. ( B ) Theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. No such disclosure agreements exist. I contacted them by phone to exercise my right to opt out and I was told it was impossible. This is a direct violation of federal law. FCRA 604 ( 2 ) states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumers signature before any consumer nonpublic personal information can be disclosed. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution ; resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. Such term does not include publicly available information, as such term is defined by the regulations prescribed undersection 6804 of 15 USC 6809. Notwithstanding subparagraph ( B ) of 15 USC 6809 ( 4 ) ( A ) such term shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information ; but shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. In violation of FCRA ( A ) ( i ) you have furnished a consumer report without my written consent and have fail to to produce evidence of said disclosure as described within the FCRA. The violation and use of my nonpublic personal information is prohibited and also a violation of Federal law. Due to the courses of these actions of unlawful credit reporting damages has occurred mentally and financially. I, XXXX XXXX XXXX the natural person in good faith exercise my rights as a federally protected consumer have been violated in pursuant to 15 USC 1681, 15 USC 6809 ( 4 ) ( A ) also per FCRA 604 ( 2 ). There never was a clear written disclosure nor authorization from me as the consumer and also as the natural person. A inquiry popped up on my consumer report which is a receipt of transaction as proof of reporting my federally protected information. In pursuant to 15 USC 6802 I would also like to opt out from their system due to the unlawful practices that this company has displayed.

Company response to consumer: Closed with explanation