Consumer complaint received 2025-03-26 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding violations of my privacy rights under the Fair Credit Reporting Act ( FCRA ), specifically concerning XXXX, XXXX, XXXX, and any other consumer reporting agency and its furnishers of information. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) assist in addressing these violations.

1. Violation of Privacy Rights Under the FCRA Under 15 U.S.C. 1681, Section 602 ( a ) of the FCRA, there is a clear mandate for consumer reporting agencies to act with fairness, impartiality, and respect for the consumers right to privacy. I have never provided written consent for XXXX, XXXX, XXXX, or any furnisher of information to share or report my personal data. As such, I am revoking any and all consentwhether verbal, non-verbal, written, implied, or otherwisegranted to these entities regarding the sharing of my personal information.

2. Violation of Nonpublic Personal Information Privacy Under the Gramm-Leach-Bliley Act Further, 15 U.S.C. 6801 requires that financial institutions respect the privacy of customers and protect the security and confidentiality of nonpublic personal information. As a furnisher of information to consumer reporting agencies, XXXX, XXXX, XXXX, and other such institutions qualify as financial institutions. They have failed to inform me of my right to opt-out of the sharing of my nonpublic personal information as required under 15 U.S.C. 6802 ( b ) ( c ). As I was never given proper notice of this right, their actions are in violation of the statute.

3. Violation of Consumer Consent and Rights to Privacy In addition, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) states that a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to whom the report relates. Since I have never provided written consent to any credit reporting agency to release my personal information, their actions constitute a clear violation of this law. 

XXXX. Reporting of Outdated or Inaccurate Information Under 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may report any adverse item of information that is older than seven years, except for records of criminal convictions. If any such information has been reported beyond this time limit, it would constitute a violation of this statute.

Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) requires that no person may furnish inaccurate information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. XXXX, XXXX, XXXX, and their furnishers have failed to maintain reasonable procedures to ensure that inaccurate information is not reported.

5. Violation of Consumer 's Opt-Out Rights Under the GLBA Under 12 CFR 1016.7, a consumer has the right to opt out of information sharing at any time. I am hereby exercising my right to opt-out of all information reporting and sharing by XXXX, XXXX, XXXX, and any other furnisher of information. I request that they immediately cease any sharing of my personal information and refrain from reporting it to any third-party agency. 

Request for Action and Resolution As part of my complaint, I request the following actions : Immediate cessation of all sharing and reporting of my personal information by XXXX, XXXX, XXXX, and any other furnisher of information. 

Confirmation that my personal information will no longer be reported or shared with any third parties without my express consent. 

Completely remove, if any, ALL alleged debts and negative items from ALL consumer reporting agencies also known as credit bureaus ( XXXX, XXXX, XXXX, etc. )

Company response to consumer: Closed with non-monetary relief