Consumer complaint received 2024-03-17 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I am writing to express my concerns regarding the handling of my personal information by XXXX XXXX XXXX organization. On XX/XX/year>, I contacted XXXX XXXX XXXX to inquire about the presence of my data in their records. A representative confirmed that my information was indeed included. 

However, I subsequently requested an opt-out from XXXX XXXX XXXX, which was denied. As a consumer, I believe I have the right to control the sharing of my private information, as outlined in the Fair Credit Reporting Act ( FCRA ). Specifically, the FCRA emphasizes the need for fairness, impartiality, and respect for consumers privacy. 

Furthermore, I understand that financial institutions, including XXXX XXXX and XXXX XXXX XXXX, are considered furnishers of information to credit agencies. According to the FCRA ( Section 604 ( a ) section 2 states that, in general subject to subsection ( c ) any consumer reporting agencies can only provide a consumer report based on written instructions from the consumer. 

My rights under the FCRA include the ability to revoke any previous consent, whether it was verbal, non-verbal, written, implied, or otherwise. Additionally, 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 they can exercise the nondisclosure option. ( FURNISHER OF INFORMATION TO CREDIT AGENCIES ) Never informed me of my right to exercise my nondisclosure. Not only that 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, other than records of conviction of crimes which antedates the report by more than XXXX years. This account is an adverse item they are reporting again without my permission which is against the law 15 U.S.C 1681 s2 ( 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.C 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 b of this title early warning service are not maintaining reasonable procedures. Also 12 CFR 1016.7. states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services I kindly request that Early Warning Services provide clarification on the authorization they received from the financial institutions ( XXXX XXXX and XXXX XXXX XXXX ) to include my information in their records. Additionally, I reiterate my request for an opt-out from your services.

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