Consumer complaint received 2024-11-16 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: Opportunity Financial, LLC
State: MS

Complaint narrative:
XXXX. XXXX XXXX XXXX : This account is reporting charged off. I have not received any XXXX Cancellation of Debt form. The account is inaccurate and needs to be removed from my credit report. 
XXXX. XXXX XXXX  : This account is reporting charged off. I have not received any XXXX Cancellation of Debt form. This account is inaccurate and needs to be removed from credit report. 
XXXX. XXXX XXXX XXXX XXXX : This account is reporting charged off. I have not received any XXXX Cancellation of XXXX form. This account is inaccurate and needs to be removed from credit report. 
XXXX. XXXX XXXX : The agency brought this debt from the original debtor and has my information without my permission. Therefore, I am not responsible for this debt. I have not received any purchase agreement. 
XXXX. XXXX XXXX : The company has violated my rights- 15 USC 1681 Section XXXX and Section XXXX ( It states that a consumer reporting agency can not furnish an account without my written instructions. ) 15 USC 1668B ( A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX. XXXX XXXX XXXX  : The company has violated my rights- 15 USC 1681 Section XXXX and Section XXXX ( It states that a consumer reporting agency can not furnish an account without my written instructions. ) 15 USC 1668B ( A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX XXXX XXXX XXXX The company has violated my rights- 15 USC 1681 Section XXXX and Section XXXX ( It states that a consumer reporting agency can not furnish an account without my written instructions. ) 15 USC 1668B ( A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX. XXXX XXXXXXXX XXXX  XXXX : The agency brought this debt from the original debtor and has my information without my permission. Therefore, I am not responsible for this debt. I have not received any purchase agreement. 
XXXX. XXXX XXXX XXXX XXXX : The company has violated my rights- 15 USC 1681 Section XXXX and Section XXXX ( It states that a consumer reporting agency can not furnish an account without my written instructions. ) 15 USC 1668B ( A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX. XXXX XXXX : The company has violated my rights- 15 USC 1681 Section XXXX and Section XXXX ( It states that a consumer reporting agency can not furnish an account without my written instructions. ) 15 USC 1668B ( A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX. XXXX XXXX XXXX : The company has violated my rights- 15 USC 1681 Section XXXX and Section XXXX ( It states that a consumer reporting agency can not furnish an account without my written instructions. ) 15 USC 1668B ( A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX. XXXX XXXX XXXX : The company has violated my rights- 15 USC 1681 Section XXXX and Section XXXX ( It states that a consumer reporting agency can not furnish an account without my written instructions. ) 15 USC 1668B ( A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX. XXXX XXXX : The company has violated my rights- 15 USC 1681 Section XXXX and Section XXXX ( It states that a consumer reporting agency can not furnish an account without my written instructions. ) 15 USC 1668B ( A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
XXXX. XXXX XXXX XXXX : The agency brought this debt from the original debtor and has my information without my permission. Therefore, I am not responsible for this debt. I have not received any purchase agreement.

Company response to consumer: Closed with explanation