Consumer complaint received 2025-09-23 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: Cactus Jacks Auto Sales
State: AZ

Complaint narrative:
My credit report is being used, sold, and shared without my consent, in violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I never authorized the credit bureaus to profit from or distribute my personal data. This constitutes an unlawful use of my information and an invasion of my privacy. 

Additionally, my report is inaccurately reflecting child support obligations. Child support is not a consumer debt and its reporting is misleading, unfair, and damaging to my ability to secure credit, housing, and employment. This violates FCRA 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. 

I was also a victim of the most recent data breach involving the credit reporting agencies, where my personal data was compromised. This breach demonstrates a failure to safeguard sensitive consumer data, exposing me to identity theft and further unauthorized use of my information. 

I have already submitted disputes under FCRA 611 ( a ) and provided notice of inaccuracies, but the bureaus failed to properly investigate, correct, or provide verification as required by law. Their continued reporting of inaccurate and unauthorized information also implicates FCRA 623, which prohibits the reporting of information knownor that should be knownto be inaccurate. 

The bureaus conduct has caused financial harm, emotional distress, and reputational damage. If these violations are not corrected, I am prepared to pursue legal remedies under FCRA, including statutory damages, actual damages, and punitive damages. 

Relief Requested : XXXX. Immediate removal of all child support reporting from my credit file. 
XXXX. Cease and desist from the unauthorized sale and use of my credit data. 
XXXX. Provide remedies and protections for consumers impacted by the recent data breach. 
XXXX. Ensure full compliance with the FCRA by properly investigating and correcting my disputes. 

Full list of negative items that are breaking the law by reporting and refusing to do full investigation. 


XXXX Creditor / Source Type Amount Opened/ Date Issue / Notes Legal Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XX/XX/year> Joint account, unauthorized services, no signed contract or proof of liability 15 U.S.C. 1681b, 1681i, 1681c-2 XXXX XXXX XXXX XXXX XXXX XXXX ) Collection {$1000.00} Unknown No contract or service agreement, identity theft 15 U.S.C. 1681b, 1681i, 1681c-2 XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX ) XXXX  {$3500.00} Unknown No lease or agreement signed, fraudulent 15 U.S.C. 1681b, 1681i, 1681c-2 XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX {$1400.00} Unknown No account exists for this amount, unauthorized debt 15 U.S.C. 1681b, 1681i, 1681c-2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$440.00} Unknown No account exists, fraudulent 15 U.S.C. 1681b, 1681i, 1681c-2 ( XXXX XXXX XXXXXXXX ) -Fraudulent

Company response to consumer: Closed with explanation