Consumer complaint received 2024-04-14 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: Self Financial Inc.
State: CA

Complaint narrative:
I went through the Self complaint module and was sent emails on XX/XX/2024 and XX/XX/2024 from the manager of Self XXXX XXXX who stated that self is a data furnisher and that Self-reports account information to the credit reporting agencies which does not require written consent from the account holder. Consumers do not have the option to opt out of credit reporting as credit reporting agencies are excluded from the definition of a non-affiliated third party. The manager was and is entirely wrong because according to 15 US code 1681B Permissible purposes of consumer reports : ( a ) In general 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. Also the manager was wrong with the opt out per 12 CFR 1016.1 Purpose and scope also 12 1016.7 Form of opt out notice to consumers : opt out methods specifically : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 
Furthermore, I am writing to file a formal complaint against Self Lender Inc. regarding its credit reporting practices, as regulated by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c. 
The basis of my complaint involves the following issue : 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. 
*Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on my report any item that is a derogatory mark is not allowed and should not be on my consumer report. 
Also, per 15 USC 6802 : ( A ) a financial institution may not directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803. ( B ) OPT OUT1 In General : A financial institution may not disclose nonpublic personal information to a non-affiliated party unless ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option ( Nonpublic information ) - means personally identifiable financial information, provided by a consumer to a financial institution resulting from any transaction with the consumer of any service performed for the consumer otherwise obtained by the financial institution. 
Self Inc has failed to provide me with any notice whatsoever continually as they have also reported to a nonaffiliated third party which is ( XXXX, XXXX XXXX, XXXX ). Self Inc has and continues to violate my privacy rights as a consumer in reporting negative adverse item information on my credit report. 
Also, again in accordance with the Fair Credit Reporting Act, this creditor Self has violated my rights Under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation