Consumer complaint received 2025-01-17 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
This Dispute was Brought out to my Attention in XX/XX/XXXX2022 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. '' Opt- Out law - 15 U.S. Code 6508, That law clearly states that I have the right to Opt-out of anything that's on My credit report.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy 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.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless Subsection ( B ) - C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX is a 3rd Party company. ( I am now exercising my right to opt out of reporting. ) Per- The FCRA as A federally Protected Consumer, I am Now Opting Out From any and all Authorization That ( I ) the consumer, May have given you Written, unwritten, verbal, non-verbal per 15 usc 6802. Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974.

15 usc 6805 - Enforcement Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : WELLSFARGO has not had my Written Permission to report.

15 U.S code 1681b - permissible purpose of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( the Company has not had My Written consent to report any impact on my consumer report file ) They Do not have my Written Permission to report to report to XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX or another 3 party credit agency 's Important Definitions - the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph This includes consumer reports. 
XXXX, XXXX, XXXX, XXXX, & XX/XX/XXXX is a 3rd Party company. 
5 U.S.C. 522a states- It is Illegal to share My SSN with non-Governmental Agencies , this reporting is in direct violation of Metro 2 compliance standards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation