Consumer complaint received 2025-09-05 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: FIFTH THIRD FINANCIAL CORPORATION
State: NV

Complaint narrative:
According to the Fair Credit Reporting Act, 15 USC 1681, section 602 ( a ) states : " There is a need to insure 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. That means I have the right to make sure my private information is not shared. This right is further 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. '' A furnisher of information to credit agencies is considered a financial institution under that title. Additionally, 15 USC 1681, section 604 ( a ) ( 2 ) states : " 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. '' I want to make it clear that the furnisher of information to credit agencies, along with XXXX  and XXXX, do not have my consent to furnish this information. They also do not have my written consent. Any and all prior consent to XXXX, XXXX, or any furnisher of informationwhether verbal, non-verbal, written, implied, or otherwiseis revoked. 

15 USC 6802 ( b ) ( c ) further provides : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise this nondisclosure option. 

Furthermore, 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 they are reporting is an adverse item, and it is being reported without my permission, which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) clearly says : " 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. '' Also, 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, XXXX  and XXXX  are failing to maintain such reasonable procedures.

Finally, 12 CFR 1016.7 states : " A consumer may exercise the right to opt out at any time. '' I am hereby exercising that right and opting out of your reporting services.

Company response to consumer: Closed with explanation