Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MS SERVICES LLC
State: CO

Complaint narrative:
Social security number XXXX XXXX Formal complaint regarding violation of consumer rights privacy act fcra and consumer protection act I am writing to officially register a complaint against credit reporting agencies attached to this complaint / financial institution can attach to this complaint for significant violation of my consumer rights privacy act rights my bank violated my privacy rights because their credit reporting act and the consumer protection act is complaint quarter inch with the relevant legal provisions and is based on the following. fcra violations as a federally protected consumer I hear by exercise my right to opt out of any and all authorizations I may have given you either I the consumer may have given you written and unwritten verbal and unverbal for the disclosure of my non-public personal information in accordance with 15 USC 6801- 6805 per financial institution attached to this complaint failed to provide me and require a notice of disclosure regarding the sharing or selling of my private information to non-affiliate agencies such as consumer reporting agencies Ms services for {$430.00} and early warning services which is also violating my privacy rights of 1974 which states in 22 CFR 1101.3 general policy collection and use of personal information ( 5 ) section personnel shell neither collect, maintain, use nor disseminate information concerning an individuals religious or political beliefs or activities or as membership in associations or organizations unless the individual has volunteered such information for his own benefit that the information is expressed authorized by the statue to be collected maintained use or disseminated which clearly says the individual has to give them consent to share my information I gave none of these companies consent to share my information who said I gave the bank permission to disclose my personal to non-affiliate third party entities that are violating my privacy by accessing and sharing my personal information without explicit consent. Three privacy act violations violations on my rights under the privacy act 5 USC 55A by financial institutions and cras through the Wheeling sale of sharing of my non-public information without proper permission and notice fcra compliance failures credit reporting agencies and financial institutions failed to possibly accurately and provide fcra mandated user notices damage and legal remedies due to the failure to honor my opt-out requests per 15 USC 6802 I have suffered emotional financial physical personal damages necessitating legal address 15 USC 1681 civil liability pursuit to 15 USC 1681 in I seek civil liability for willful non-compliance including actual damages punitive damages and legal costs dodd-franked act violations asserting that the credit reporting agencies and financial institutions are engaging in deceptive or practices my consumers reports with the debt should be updated to payed as agreed never late. Under 16 CFR 313.7 privacy of consumer financial information States This part governs the treatment of non-public personal information about consumers by the financial institutions listed in paragraph b of this section. Affiliate means any company that controls is controlled by or is under common control with another company.

Violating consumer financial laws under the Dodd-Frank Wall Street reform and consumer protection act and consideration of the violations I request a full investigation of this matter and a description response of the correct actions taken attached to our supporting documents demonstrating the unauthorized sharing of my personal information I am prepared to pursue legal avenues for resolution if necessary your immediate attention to this matter is appreciated and I anticipate a timely resolution. I will be looking to file arbitration as well.

Company response to consumer: Closed with explanation