Consumer complaint received 2024-08-17 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX D.O.B : XX/XX/XXXX S.S.S. : XXXX 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 responsibilities with fairness, impartiality and a respect for the consumers right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make suer that my private information isnt shared which is backed by 15 USC 6801 It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protection of security and confidentiality of the customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 section 2 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 do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is explained how the consumer can exercise that nondisclosure option. Never informed me of my right to exercise my nondisclosure option. Not only 15 USC 1681C ( a ) ( 5 ) Except as authorized under subsection ( b ), but no consumer reporting agency may also 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 seven years. This account is an adverse item they are reporting again without my permission is against the law. 15 U.S. Code 1681s 2 ( A ) ( 1 ) A 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 the information is inaccurate. 15 U.S. Code 1681e Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports purpose listed in section 1681b of this title. Equifax and Experian ( Are Not Reasonable Procedures ). 15 U.S Code 6805 Enforcement Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq ] this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer of Financial Protection. The Family Educational Right and Privacy Act ( FERPA ) applies to any public or private elementary, secondary, or post-secondary school 20 USC 1232g ( b ). Also 12 CFR 1016.7 A consumer may exercise the to opt out any time.

I am opting out of your reporting services and following agencies.

Please remove the list of the following : Remove any old or duplicate addresses from my report it is a non-mailable address.

Remove any old or duplicate phone numbers Remove any variations of my name that are incorrect Place a security freeze on all your reports Sincerely, XXXX XXXX XXXX XXXX This is not a 3rd Party Agency

Company response to consumer: Closed with explanation