Consumer complaint received 2024-12-24 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: CBC Companies, Inc.
State: PA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, Section 602 ( a ), it is clearly stated that consumer reporting agencies, such as innovis are required to exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As a consumer, I have the right to ensure my private information is not shared without my consent. This is further supported by 15 USC 6801, which establishes that financial institutions have a duty to respect the privacy of their customers and protect the confidentiality of their nonpublic personal information.

A furnisher of information to credit agencies is considered a financial institution under this definition. According to 15 USC 1681, Section 604 ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report under specific circumstances, including when there is written consent from the consumer. I have not provided such consentverbally, non-verbally, written, implied, or otherwiseand hereby revoke any alleged consent.

Additionally, 15 USC 6802 ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to opt-out of such disclosures and given an explanation of how to exercise that right. I was never informed of my right to opt-out, which violates this provision. 

Furthermore, under 15 USC 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse information in a report if it is more than seven years old, except for records of criminal convictions. The adverse item being reported on my account is over seven years old and is therefore being reported unlawfully.

Under 15 USC 1681s-2 ( A ) ( 1 ), furnishers of information are prohibited from providing information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate. Additionally, 15 USC 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of 1681c and to ensure consumer reports are only used for the purposes listed under 1681b. It is clear that XXXX and XXXX are failing to maintain these required reasonable procedures. 

Lastly, 12 CFR 1016.7 gives consumers the right to opt-out at any time. I am formally exercising my right to opt-out of your reporting services immediately. 

In summary, innovis and any furnishers of information have violated my rights under federal law. I do not consent to the disclosure of my information, and I am demanding that my information be removed from your systems in accordance with the statutes listed above. 

Remove the following information from my file immediately : XXXX XXXX XXXX XXXX  : account # XXXX XXXX : account # XXXX XXXX  XXXX XXXX  : account # XXXX XXXX XXXX XXXX : account # XXXX Also remove the following address because they do not belong to me and are undeliverable addresses XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief