Consumer complaint received 2023-12-27 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
As in regards, the consumer reporting and the lending to third-party affiliates LVNV, has insisted upon assuming an ILLEGALLY established account be reported against me outside of my knowledge or consent to the initiation of the account, in any regard And as it states in 15 USC 1681 regarding the fair credit, reporting act section 602 ( a ) of this title clearly says there is a need to ensure that consumer reporting agencies exercise, their grave responsibilities with fairness and impartiality, and a respect for the consumers right to privacy XXXX and XXXX our consumer reporting agencies and I myself am the consumer. I believe it is my obligation, right and duty to make sure that my information that is private information not be allowed to be shared or exposed and I believe my right is warranted under 15 USC 6801, which clearly says it is the policy of the Congress, that each financial institution has an affirmative and continuing obligation, to respect the privacy of its customers, and to protect the security and confidentiality of customers ( and that would mean me ) their non-public personal information resurgent/LVNV funding is a financial institution by definition under that title. 15 USC 1681 section 6004, and section 2 clearly indicates and states that in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer, to whom it relates resurgent/LVV funding is the financial institution that I am, addressing in the consumer reporting agencies are in XXXX do not have my consent to furnish this information, and they surely do not have my written consent. Any in all consent to XXXX and experience LVNV funding whether it be verbal nonverbal written implied or otherwise is now revoked. 15 USC 6802 ( b ) ( c ) states that a financial institution may 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 non-disclosure option LVN V funding never inform me of my right to exercise my nondisclosure option or even attempted to. Not only that 15 USC 1681 ( c ) ( a ) ( 5 ) clearly states that except as authorized under subsection be no consumer reporting agency shall make any consumer report containing any of the following items of information, or any other adverse item of information, other than the records of convictions of crimes, which, and the report by more than seven years this account is an adverse item they are reporting again, without my permission, which is against the law. 15 USC code 1681s-2 ( A ) ( 1 ) clearly states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable caused to believe that the information is in accurate. 15 USC code 1681 ( e ) clearly states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title, and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title XXXX and XXXX are not maintaining reasonable procedures also 12 CFR 1016.7 clearly states that a consumer may exercise the right to opt out at any time and I am now opting out of your credit reporting services. ( so-called )

Company response to consumer: Closed with explanation