Consumer complaint received 2024-03-13 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: AMERICA FIRST FEDERAL CREDIT UNION
State: CO

Complaint narrative:
15 U.S. Code 1681- Congressional findings and statement of purpose. States " There is a need to insure fairness, impartiality, and a respect for the consumer 's right to privacy. I am a consumer of the credit reporting agencies operating as XXXX, XXXX, and XXXX. That being said I have the right to make certain none of my private information is not being shared. Which is backed by 15 USC 6801 which has stated within " It is policy of the Congress that each Financial Institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers ' nonpublic personal information. '' That being said America First Credit union D.B.A America First Federal Credit Union is a Financial Institution by definition under that title which is putting my car loan account on my Report the account number is XXXX15 U.S. Code 1681a ( 2 ) Exclusion ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Which America First Credit Union D.B.A America First Federal Credit Union the financial Institution has done and continues to do so after being given notice on XX/XX/2023. 15 USC 1681 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. America First Credit Union the financial Institution and the Consumer Reporting Agencies XXXX, XXXX, and XXXX don't possess my consent to furnish this information and definitely don't have my written consent. Any and all consent to the above listed Consumer Reporting Agencies and America First Credit Union whether it be verbal, non-verbal, written, implied, and/or otherwise is REVOKED.15 U.S. Code 6802 ( b ) ( c ) clearly articulates that " 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. '' As AFCU the financial institution never fulfilled duty to inform clearly and conspicuously me of my right to exercise my nondisclosure option. 15 U.S. Code 1681c ( a ) ( 5 ) expresses " 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. The account in question under AFCU is an adverse item that is being reported without my permission which is illegal. 15 U.S. Code 1681e ( a ) articulates " 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. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. '' Which is pretty evident that the three XXXX, XXXX, and XXXX are majorly failing at doing so as they each have received a notice of dispute from me on XX/XX/2023. Lastly, 12 CFR 1016.7 makes it clear that " A consumer ( me ) may exercise the right to opt out at any time. '' That being stated i am opting out of the three Consumer Reporting Agencies reporting services.

Company response to consumer: Closed with explanation