Consumer complaint received 2024-02-22 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Per the FCRA ( Fair Credit Reporting Act ) 15 U.S. Code 1682 sec 602 states .... There's a need to insure that the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer right to privacy. XXXX XXXX XXXX are consumer reporting agencies, I am the consumer. I ( the consumer ) have the right to make sure that my information ( private ) is not shared which is protected by 15 U.S. Code 6801..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. ( Furnisher of information to credit agencies : a financial institution defined under that title ) 15 U.S. Code sec 604a sec 2 says ... .. in general subject to subsection ( c ) ANY consumer reporting agencies may furnish a consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to whom it relates. XXXX XXXX XXXX and any other credit agencies DO NOT have my written consent to furnish this information. ANY and ALL consent to XXXX XXXX XXXX and any other credit agencies... ..weather it be verbal, non-verbal, written, implied, or otherwise is REVOKED. 15 U.S. code 6802 ( b ) ( c ) says that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ... me ( the consumer ) gives an explanation of how the consumer can exercise that nondisclosure option. The credit agencies never informed me of my right to exercise my nondisclosure option. 15 U.S. code 1681c ( a ) ( 5 ) says ... except as authorized under the subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ... .ANY adverse item information, other than records of convictions of crimes which means antedates the report by more than 7 years. My account has adverse items they are reporting without my consent/permission which is against the law. 15 U.S. Code 1681s ( A ) ( 1 ) says ... A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e says... EVERY consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under sec 1681XXXX of this title. XXXX & XXXX are not maintaining reasonable procedures. Lastly, 15 U.S. Code 12 CFR 1016.7 says... .a consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

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 non-monetary relief