Consumer complaint received 2024-05-13 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: Valor Intelligent Processing, LLC
State: PA

Complaint narrative:
XXXX XXXX # XXXX XXXX # XXXX 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.In accordance with the Fair Credit Reporting act. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 XXXX XXXX XXXX  Accounting # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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. 

I had an account with XXXX and I started running intro problems where I was unable to pay my bills via their app. Every time I called they would tell me that the only ways to pay is to either go to the store and pay cash or pay an agent assistance fee over the phone. For about 3 months I was unable to pay my bills because I couldnt go to the store because of my work schedule and also because I refused to be extorted for an assistance fee every time I need to pay my bill. I decided to file a complaint with the XXXX  and then switched to XXXX  because I needed to use my phone. But then I was contacted by a XXXX XXXX who apologized for the service restrictions from their app and told me that if I just pay my past due of XXXX $ and that I wouldnt need to go to the store and I could just pay it on the app that then XXXX 30 days I would be contacted to restore my service. I tried to pay my past due like she said and I was still having the same problems, and then at some point couldnt even access my XXXX account anymore. 
They decided to send my information to valor intelligence without my knowledge, I was sent collection letters while waiting for someone from XXXX to call me so I can restore my service. I called valor and they were very rude and wouldnt let me dispute the charge and they too promised they would contact me but they never did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation