Consumer complaint received 2024-01-21 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: ENCORE CAPITAL GROUP INC.
State: SD

Complaint narrative:
To Whom It May Concern, I trust this message finds you well. I am writing to express my deep concern about a matter involving the violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and related statutes. In light of the FCRA, particularly 15 USC 1681 section 602A, which underscores the importance of consumer reporting agencies conducting their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy, I have encountered issues with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX that demand your attention. 
My primary concern centers around the unauthorized sharing of my private information, protected under 15 USC 6801. This section emphasizes the obligation of financial institutions to respect customer privacy and protect the security of nonpublic personal information. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX being a financial institution, is subject to these obligations. As evidence of my commitment to safeguarding my privacy, I would like to bring to your attention that I was a victim of the XXXX data breach. Enclosed with this letter, you will find the relevant documentation supporting my claim. The XXXX data breach exposed sensitive personal information, heightening my concerns about the unauthorized sharing of data. 
According to XXXX USC 1681 section 604, a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. However, I have not provided consent, written or otherwise, for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX to share my information. I hereby revoke all consent given, whether verbal, non-verbal, written, implied, or otherwise. 
Furthermore, 15 USC 6802 ( b ) ( c ) mandates that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to exercise nondisclosure. Unfortunately, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX failed to provide such information, depriving me of the opportunity to exercise my rights. The reporting of adverse information by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX as highlighted in 15 USC 1681C ( a ) ( 5 ), without my permission is a clear violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) emphasizes that information furnished to a consumer reporting agency should be accurate. I believe XXXX XXXX XXXX 's actions contravene this requirement. 
XXXX, XXXX, and XXXX as consumer reporting agencies, are obligated under 15 U.S. Code 1681e to maintain reasonable procedures to avoid violations of the FCRA. Unfortunately, it appears that these agencies have not adhered to these standards. In light of the above, I am formally requesting that the information provided by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX be deleted from my consumer report. 
Additionally, I have included the documentation regarding the XXXX data breach and an FTC report for your reference. I appreciate your prompt attention to this matter and look forward to a resolution that upholds consumer rights. 

Thank you for your understanding and assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation