Consumer complaint received 2024-06-12 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: ALLIANT CREDIT UNION
State: GA

Complaint narrative:
Alliant Credit Union has violated my consumer rights. There are items on my credit report that constitute a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681a ( d ) ( 2 ) and related provisions.

Legal Basis for Dispute : 1. Exclusions Under 15 U.S.C. 1681a ( d ) ( 2 ) : According to 15 U.S.C. 1681a ( d ) ( 2 ), the term " consumer report '' does not include : ( A ) ( i ) : Reports containing information solely as to transactions or experiences between the consumer and the person making the report.

( A ) ( ii ) : Communication of that information among persons related by common ownership or affiliated by corporate control.

( A ) ( iii ) : Communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

( B ) : Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

( C ) : Any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m.

The inclusion of inquiries in my consumer report that pertain solely to transactions and experiences between myself and certain creditors, without proper authorization or permissible purpose, is a direct violation of these exclusions.

Violations : The following item reported on my credit report illustrates specific violations addressed below : ALLIANT CREDIT UNION - Date of Late Payment : XX/XX/XXXX Violation of 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) : This item pertains solely to transactions or experiences between myself and ALLIANT CREDIT UNION, which should not be included in my consumer report without my explicit consent.

Violation of 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( ii ) : This item involves the communication of information among persons related by common ownership or affiliated by corporate control, without proper disclosure or my opportunity to opt-out as required by law.

Violation of 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( iii ) : This item involves the communication of other information among persons related by common ownership or affiliated by corporate control, without clear and conspicuous disclosure to me and without providing me the opportunity to direct that such information not be communicated.

Violation of 15 U.S.C. 1681a ( d ) ( 2 ) ( B ) : This item relates to authorization or approval of a specific extension of credit by the issuer of a credit card, which should not be included without my explicit consent.

Violation of 15 U.S.C. 1681a ( d ) ( 2 ) ( C ) : This item involves a decision by a third party to make a specific extension of credit directly or indirectly to me, without proper disclosure or my consent.

Violation of 15 U.S.C. 6802 ( a ) : ALLIANT CREDIT UNION failed to provide the required notice that complies with section 6803 before disclosing my nonpublic personal information to nonaffiliated third parties before this item reporting as of my most recent credit reporting XX/XX/XXXX. 

Violation of 15 U.S.C. 6802 ( b ) ( 1 ) ( A ) : ALLIANT CREDIT UNION did not clearly and conspicuously disclose to me, in writing or in electronic form, that my nonpublic personal information may be disclosed to nonaffiliated third parties before this item reporting as of my most recent credit reporting XX/XX/XXXX. 

Violation of 15 U.S.C. 6802 ( b ) ( 1 ) ( B ) : I was not given the opportunity, before the time that my nonpublic personal information was initially disclosed, to direct that such information not be disclosed to nonaffiliated third parties before this item reporting as of my most recent credit reporting XX/XX/XXXX. 

Violation of 15 U.S.C. 6802 ( b ) ( 1 ) ( C ) : ALLIANT CREDIT UNION did not disclose conspicuously how I could exercise the nondisclosure option regarding my nonpublic personal information before this item reporting as of my most recent credit reporting XX/XX/XXXX. 

Violation of 15 U.S.C. 1637 ( b ) : This section of the TILA mandates that creditors must send periodic billing statements to consumers. The failure to provide billing statements means you were not made aware of any impending payment due dates or late payment statuses, which is a violation of this requirement. 

Violation of 15 U.S.C. 1637 ( b ) ( 10 ) : This specific provision of the TILA requires that periodic statements must be delivered to consumers no later than 21 days before the payment due date. The lack of communication informing you of billing cycles or due dates 21 days in advance directly contravenes this statutory requirement.

Violation of 15 U.S.C. 1681s-2 ( a ) : The high credit reported by XXXX as {$0.00} is inconsistent with XXXX and XXXX. This inconsistency mandates that furnishers of information must provide accurate information to consumer reporting agencies. 

Violation of 15 U.S.C. 1681s-2 ( b ) : XXXX and XXXX show 30-day late payments for XXXX, XXXX, and XX/XX/XXXX, while XXXX reports these months as " OK ''. 

I have not received any billing statements or notifications of late payments related to my credit card account from ALLAINT CREDIT UNION for the period ( s ) specified in my proof of claim and as shown on page 2 in Diagram 1a. 

There has been no communication, whether by mail, electronic means, or otherwise, informing me of the billing cycles or due dates for my payments during the aforementioned period, contrary to the requirements of 15 U.S.C. 1637 ( b ). 

I have made reasonable efforts to resolve this issue along with correspondence to the credit bureaus to inquire about the missing billing statements as well as erroneously reported items on my consumer credit report held with these private institutions. 

ALLIANT CREDIT UNION failed to provide the required notice that complies with section 6803 before disclosing my nonpublic personal information to nonaffiliated third parties before this item reporting as of my most recent credit reporting on XX/XX/XXXX. 

ALLIANT CREDIT UNION did not clearly and conspicuously disclose to me, in writing or electronic form, that my nonpublic personal information may be disclosed to nonaffiliated third parties before this item reporting as of my most recent credit reporting on XX/XX/XXXX. 

ALLIANT CREDIT UNION did not give me the opportunity, before the time that my nonpublic personal information was initially disclosed, to direct that such information not be disclosed to nonaffiliated third parties before this item reporting as of my most recent credit reporting on XX/XX/XXXX. 

ALLIANT CREDIT UNION did not disclose conspicuously how I could exercise the nondisclosure option regarding my nonpublic personal information before this item reporting as of my most recent credit reporting on XX/XX/XXXX.

Company response to consumer: Closed with explanation