Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
HUNTINGTON NATIONAL BANK has damaged my reputation by reporting to third party agencies such as XXXX, XXXX, XXXX and other agencies as well, HUNTINGTON NATIONAL BANK is categorized as a Financial institution, financial institutions have to abide by the rules of the FCRA. Under Complying with the FCRA it says ; Before You Get a Consumer Report You must : Tell the applicant or employee that you might use information in their consumer report for decisions related to their employment. This notice must be in writing and in a stand-alone format. The notice can not be in an employment application. You can include some minor additional information in the notice, like a brief description of the nature of consumer reports, but only if it does not confuse or detract from the notice. 
Get written permission from the applicant or employee. This can be part of the document you use to notify the person that you will get a consumer report. If you want the authorization to allow you to get consumer reports throughout the person 's employment, make sure you say so clearly and conspicuously. 
Certify compliance to the company from which you are getting the applicant or employee 's information. You must certify that you : notified the applicant or employee and got their permission to get a consumer report ; complied with all of the FCRA requirements ; and will not discriminate against the applicant or employee or otherwise misuse the information, as provided by any applicable federal or state equal opportunity laws or regulations. 
It says that you must certify that you notified the applicant ( me ) or employee and got THEIR PERMISSION TO GET A CONSUMER REPORT, I never gave any written consent before HUNTINGTON NATIONAL BANK reported my FURNISHED my information. The FCRA says Before You Take an Adverse Action Before you reject a job application, reassign or terminate an employee, deny a promotion, or take any other adverse employment action based on information in a consumer report, you must give the applicant or employee : a notice that includes a copy of the consumer report you relied on to make your decision ; and a copy of A Summary of Your Rights Under the Fair Credit Reporting Act, which the company that gave you the report should have given to you. 
Giving the person the notice in advance gives the person the opportunity to review the report and tell you if it is correct.

I was not provided this opportunity. I DID NOT GET A NOTICE FROM HUNTINGTON NATIONAL BANK.

Investigative Reports-Employers who use " investigative reports '' reports based on personal interviews concerning a person 's character, general reputation, personal characteristics, and lifestyle have additional obligations under the FCRA. These obligations include giving written notice that you may request or have requested an investigative consumer report, and giving a statement that the person has a right to request additional disclosures and a summary of the scope and substance of the report. ( See 15 U.S.C. section 1681d ( a ), ( b ).

HUNTING NATIONAL BANK is SLANDERING my reputation with these actions and should be held accountable. 
On XX/XX/XXXX HUNTINGTON NATIONAL BANK deducted XXXX points from my credit score. 
XX/XX/XXXX HUNTINGTON NATIONAL BANK deducted XXXX points from my credit score. 
XX/XX/XXXX HUNTINGTON NATIONAL BANK deducted XXXX points from my credit score. 
XX/XX/XXXX XXXX XXXX BANK deducted XXXX points from my credit score. 

Now that I know about SECURITIES, the INDENTURE TRUSTEE ACT, SECURITIES EXCHANGED ACT OF XXXX and the XXXX BANKING ACT, I now know that you guys are monetizing off my signature and trading my securities and the entity that I represent the ( DEBTOR ) is responsible for the debts, I am the BENEFICIARY for the CESTUIS QUE VIE, A BENEFICIARY is a " person '' ( or entity ) who is designated to receive the benefits or property owned by someone else, I'm trying to figure out who's enjoying the benefits cause its not me and I believe that would be a federal case. 16 CFR 444.4 Late charges.

( a ) In connection with collecting a debt arising out of an extension of credit to a consumer in or affecting commerce, as commerce is defined in the Federal Trade Commission Act, it is an unfair act or practice within the meaning of section 5 of that Act for a creditor, directly or indirectly, to levy or collect any deliquency charge on a payment, which payment is otherwise a full payment for the applicable period and is paid on its due date o
r within an applicable grace period, when the only delinquency is attributable to late fee ( s ) or delinquency charge ( s ) assessed on earlier installment ( s ).

( b ) For purposes of this section, collecting a debt means any activity other than the use of judicial process that is intended to bring about or does bring about repayment of all or part of a consumer debt.

16 CFR 444.3 Unfair or deceptive cosigner practices ( a ) In connection with the extension of credit to consumers in or affecting commerce, as commerce is defined in the Federal Trade Commission Act, it is : ( 1 ) A deceptive act or practice within the meaning of section 5 of that Act for a lender or retail installment seller, directly or indirectly, to misrepresent the nature or extent of cosigner liability to any person.

( 2 ) An unfair act or practice within the meaning of section 5 of that Act for a lender or retail installment seller, directly or indirectly, to obligate a cosigner unless the cosigner is informed prior to becoming obligated, which in the case of open end credit shall mean prior to the time that the agreement creating the cosigner 's liability for future charges is executed, of the nature of his or her liability as cosigner.

( b ) Any lender or retail installment seller who complies with the preventive requirements in paragraph ( c ) of this section does not violate paragraph ( a ) of this section.

( c ) To prevent these unfair or deceptive acts or practices, a disclosure, consisting of a separate document that shall contain the following statement and no other, shall be given to the cosigner prior to becoming obligated, which in the case of open end credit shall mean prior to the time that the agreement creating the cosigner 's liability for future charges is executed.Notice to Cosigner You are being asked to guarantee this debt. Think carefully before you do. If the borrower doesn't pay the debt, you will have to. Be sure you can afford to pay if you have to, and that you want to accept this responsibility.

You may have to pay up to the full amount of the debt if the borrower does not pay. You may also have to pay late fees or collection costs, which increase this amount.

The creditor can collect this debt from you without first trying to collect from the borrower. The creditor can use the same collection methods against you that can be used against the borrower, such as suing you, garnishing your wages, etc. If this debt is ever in default, that fact may become a part of your credit record.

This notice is not the contract that makes you liable for the debt.

Company response to consumer: Closed with explanation