Consumer complaint received 2024-04-16 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: Financial Business and Consumer Solutions.
State: GA

Complaint narrative:
Per the Fair Credit Reporting Act, as a federally protected consumer and per 15 USC 6802 I OPTED OUT of any and all authorization I may have given to XXXX XXXX  XXXX written, unwritten, verbal or non-verbal to report my non-public personal information. XXXX XXXX  XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable Opportunity to Opt Out b/c I was never notified by XXXX XXXX  XXXX that my non-public personal information was going to be shared to non affiliated third parties such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, et al. ( Hereinafter " CRAs '' ) and was NEVER given the chance to OPT OUT. Also 15 USC 6508 states that I have the right to opt out of any account reported to my credit report and I am suppose to receive an opt out notice every thirty ( 30 ) days which XXXX XXXX  XXXX never sent to me. I am hereby exercising my right under 16 CFR 313.7 form of opt out notice to consumers. XXXXXXXX XXXX XXXXXXXX also violated the Terms and Conditions within their bank agreement which states that they DO NOT provide consumers non-public personal information to third parties which they violated by reporting my non-public personal information to the credit reporting agencies listed above. According to 15 USC 6802 ( B ) I am suppose to receive three different disclosures before my non-public personal information is shared but I never received notice. XXXX XXXX XXXXXXXX also unlawfully sold/shared/assigned this debt to a third party " FBCS Consumer Contract Solutions '' after the debt had already been tendered in accordance with UCC XXXX et al..I have never had a contract or agreement with said third party and I DO NOT consent to them reporting any account to my consumer report.I am hereby invoking all rights to OPT OUT and to Privacy protected by 15 USC 6802 ( B ), 12 CFR 1022. 24,15 USC 6508, 16 CFR 313.7, the Privacy Act of 1974 et al.. Please see 15 USC 6802 ( B ) OPT OUT below.A financial institution may not disclose non-public personal information to a non affiliated third party unless ( A ) such financial institution clearly and conspicuously disclose to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that non-disclosure option. Finally, XXXX XXXX  XXXX is in clear violation of 15 USC 45 - Unfair methods of competition for their failure to update the records after receiving tender of the full balance of the debt in accordance with the Electronic Funds Transfer Act as well as their acts of SECURITIES FRAUD and TAX EVASION which I intend to report XXXX XXXX  XXXX via IRS form 3949A. To conclude, the above listed credit reporting agencies are in violation of 15 USC 1681 sec. 604 ( a ) sec. 2 because it states that a consumer can not furnish an account WITHOUT my written instruction.I did NOT give consent nor written instruction to ANY of the above listed " CRAs '' to report the XXXX XXXX  XXXX account and supporting non public personal information such as the Transaction history and balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation