Consumer complaint received 2024-11-27 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: Kovo
State: NE

Complaint narrative:
I XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX THE principal I have Acknowledgment that this company have Violated my XXXX giving rights and freedom to have privacy and have access to XXXX WITHOUT MY ACKNOWLEDGMENT I DID NOT DO BUSINESS OR HAVE NO IDEA THIS COMHAS MY INFORMATION FROM A THIRD XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Can update my account 15 USC1666B By law you have to provide an original copy of the original contract with a copy your company provided that not a wet hand autograph and I did not contract with this company so how did they get my information? Current budget storage have sold my information to XXXX-party collection agent and I did not contract with this company to provide my private information to any credit bureau and this company have not provided any weight signature proof that I have contracted with now to put this on my credit by law I have to rights to XXXX  XXXX FCRA XXXX XXXX ( f ), XXXX ( a ) ( XXXX ) also section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all debts all debt XXXX the XXXX XXXX XXXX AND I WILL LIKE A {$1000.00} for all the violations on my credit report this is not my wet hand signature thats not proof of a validation of I have contract with this company XXXX XXXXXXXX XXXX By law I want it deleted immediately in XXXX. Right to Financial Privacy Act of XXXX [ XXXX XXXX. XXXX et seq. ], to law enforcement agencies ( including the XXXX XXXX XXXX XXXX XXXX [ XXXX ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter XXXX of chapter XXXX of title XXXX, and chapter XXXX of title I of Public Law XXXX ( XXXX XXXX. XXXX ), a XXXX insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( XXXX ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ XXXX U.S.C. XXXX et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( XXXX ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( XXXX ) to comply with XXXX, XXXX, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by XXXX, XXXX, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraud and related activity in connection with identification documents, authentication features, and information XXXX XXXX XXXX  XXXX | next ( a ) Whoever, in a circumstance described in subsection ( c ) of this section ( XXXX ) knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ; ( XXXX ) knowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority ; ( XXXX ) knowingly possesses with intent to use unlawfully or transfer unlawfully XXXX or more identification documents ( other than those issued lawfully for the use of the possessor ), authentication features, or false identification documents ; ( XXXX ) knowingly possesses an identification document ( other than XXXX issued lawfully for the use of the possessor ), authentication feature, or a false identification document, with the intent such document or feature be used to defraud the United States ; ( XXXX ) knowingly produces, transfers, or possesses a document-making implement or authentication feature with the intent such document-making implement or authentication feature will be used in the production of a false identification document or another document-making implement or authentication feature which will be so used ; ( XXXX ) knowingly possesses an identification document or authentication feature that is or appears to be an identification document or authentication feature of the United States or a sponsoring entity XXXX XXXX event designated as a special event of national significance which is stolen or produced without lawful authority knowing that such document or feature was stolen or produced without such authority ; ( XXXX ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law ; or ( XXXX ) knowingly traffics in false or actual authentication features for use in false identification documents, document-making implements, or means of identification ; shall be punished as provided in subsection ( b ) of this section. ( b ) The punishment for an offense under subsection ( a ) of this section is ( XXXX ) except as provided in paragraphs ( XXXX ) and ( XXXX ), a fine under this title or imprisonment for not more than XXXX  years, or both, if the offense is ( A ) the production or transfer of an identification document, authentication feature, or false identification document that is or appears to be ( i ) an identification document or authentication feature issued by or under the authority of the United States ; or ( ii ) a birth certificate, or a drivers license or personal identification card ; ( B ) the production or transfer of more than XXXX identification documents, authentication features, or false identification documents ; ( C ) an offense under paragraph ( XXXX ) of such subsection ; or ( D ) an offense under paragraph ( XXXX ) of such subsection that involves the transfer, possession, or use of XXXX or more means of identification if, as a result of the offense, any individual committing the offense obtains anything of value aggregating {$1000.00} or more during any XXXX period ; ( XXXX ) except as provided in paragraphs ( XXXX ) and ( XXXX ), a fine under this title or imprisonment for not more than 5 years, or both, if the offense is ( A ) any other production, transfer, or use of a means of identification, an identification document,, [ XXXX ] authentication feature, or a false identification document ; or ( B ) an offense under paragraph ( XXXX ) or ( XXXX ) of such subsection ; ( XXXX ) a fine under this title or imprisonment for not more than 20 years, or both, if the offense is committed ( A ) to facilitate a drug trafficking crime ( as defined in section XXXX ( a ) ( XXXX ) ) ; ( B ) in connection with a XXXX  of XXXX ( as defined in section XXXX ( c ) ( XXXX ) ) ; or ( C ) after a prior conviction under this section becomes final ; ( XXXX ) a fine under this title or imprisonment for not more than XXXX  years, or both, if the offense is committed to facilitate an act of domestic terrorism ( as defined under section XXXX ( XXXX ) of this title ) or an act of international terrorism ( as defined in section XXXX ( XXXX ) of this title ) ; ( XXXX ) in the case of any offense under subsection ( a ), forfeiture to the United States XXXX XXXX personal property used or intended to be used to commit the offense ; and ( XXXX ) XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. XXXX XXXX XXXX section XXXX If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section XXXX ( a ) ( XXXX ) ( B ). XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also the credit bureaus failed to do a complete a full investigation here is my certified cfpb complaint number. XXXX I SEE THEY ARE FAILED TO COMPLETE A FULL investigation. You have XXXX  days to delete this from my account immediately its hurt my credit profile from getting a response please to live and depender automobile to travel XXXX XXXX XXXX is my correct name this is a violation. I want this these account CLOSE WITH MONETARY RELIEF. FCRA Part ( A ) ( XXXX ) ( B ) XXXX Credit bureaus if the XXXX a removed it from your credit report without notifying you writing within XXXX business $ XXXX - Violation FCRA Section XXXX Part ( A ) ( XXXX ) Credit bureaus if they fail to respond to your written disputes within XXXX  days a XXXX  day extension XXXX be granted if they receive information from the creditor within the first XXXX  days ) $ XXXX - Violation FCRA Section XXXX ( c ) Running of the reporting period Creditors or collection agencies, and credit bureaus if they try and " Re-age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer $ XXXX - Violation You also have put it back on to credit report and I will like a monetary pay and delete this account immediately. 
This is my correct name XXXX XXXX XXXX AND MY XXXX GIVEN NAME. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Remove these name immediately this new are not my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation