Consumer complaint received 2024-02-09 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: Freedom Mortgage Company
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) 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 and XXXX are consumer reporting agencies and I am the Consumer. Due to the clear violations I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " 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 those customers nonpublic personal information. '' Freedom Mortgage Corporation is also considered a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 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. '' Freedom Mortgage Corporation, the financial institution, and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and Freedom Mortgage Corporation, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Freedom Mortgage Corporation has never informed me of my right to exercise my nondisclosure options. Not only that, but 15 USC 1681C ( a ) ( 5 ) states, ''Except as authorized under subsection ( b ), no consumer reporting agency may 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 against without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states, " 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 believe that the information is inaccurate. '' 15 U.S. Code 1681e states, ''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 to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. 16 CFR 313.7 states, " you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out. '' Also, 12 CFR 1016.7 states that, " A consumer may exercise the right to opt out at any time. '' I have already previously requested to opt out of your reporting yet it still continues, including harassing phone calls/voice messages to my phone as well as my family member phones, excessive daily mailings publicly publicizing my personal mortgage/foreclosure information which includes threatening outcomes, and even human solicitors visiting my home/ringing my doorbell all hours of the day. So to repeat my previously expressed wishes to opt out, I am opting out of your reporting services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation