Consumer complaint received 2024-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602a states There is a need to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, and XXXX XXXX XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isnt 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 it consumers and to protect the security and confidentiality of those consumers nonpublic personal information. Capital One and XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a 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 written instructions of the consumer to whom it relates. Capital One, XXXX XXXX XXXX XXXX, and the consumer reporting agencies XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, 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, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Capital One whether it be verbal, nonverbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial Institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Capital One never informed me of my nondisclosure option. Not only that 15 USC 1681c ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer report containing any of the following items of information any adverse item of information other than records of crimes antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 
15 US code 1681-2 ( a ) ( 1 ) A states A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 
15 USC 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 purposes listed under section 1681b of this title. XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation