Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Late Payments ( 15 U.S. Code 1666b ) Charge Off 's ( 15 U.S. Code 1601 ) Repossessions ( 15 U.S. Code 1601 ) Bankruptcy 's ( 15 U.S. Code 1681b ) Collections ( 15 U.S. Code 1692c ) Hard Inquiries ( 15 U.S. Code 1602p ) 15 is code 6802 obligations with respect to disclosure of personal informations I need all inquiries get removed! And XXXX XXXX code XXXX XXXX ( XXXX ) To remove the inquirys And putting my score to XXXX if you find any charge offs they are certificates of indebtedness which means its converted into money and you can not put onto credit report. 


According to the fair credit reporting act 15, USC 1681 section 602 states there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to privacy XXXX and experience our consumer reporting agencies and I the consumer I have the right to make sure my private information isnt shared Which backed by XXXX XXXX XXXX XXXX which states it is the policy of the XXXX that each financial institution has a affirmative and continuing obligation to respect the privacy of its customer and to protect the security and confidentiality Those customers nonpublic personal information. Furniture of information to create agencies is a financial institution by definition under that title XXXX XXXX XXXX section XXXX section XXXX states that in general subject to section C, any consumer reporting agency may furnished a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates the financial institution and the consumer reporting agency do not have my consent to furnace this information and they surely do not have my written consent or XXXX any and all consent to XXXX, XXXX XXXX and XXXX whether it be verbal nonverbal written implied non-written or otherwise is revoked XXXX XXXX XXXX XXXX section B section C states that a financial institution XXXX not disclose non-public personal information to a non-affiliated third-party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option never inform me of my right to exercise my nondisclosure option not only that XXXX XXXX XXXX XXXX XXXX XXXX states accept as authorized under subsection B no consumer reporting agency may make any consumer reporting 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. This account is an adverse item. 

They are reporting again without my permission which is against the law XXXX XXXX code XXXX XXXX section XXXX a states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is in accurate XXXX XXXX XXXX XXXX XXXX. 


states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the proposed listed on section XXXX of this title XXXX and XXXX XXXX are not maintaining reasonable procedures also XXXX XXXX XXXX states that a consumer may exercise the right to opt out at any time, Im opting out of your reporting services..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation