vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bastion Consumer Funding I, LLC
State: TX

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX ( XXXX ) for a collection that has been wrongfully placed on my consumer report. The collection agency has violated multiple consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The specific violations are outlined below : XXXX. Failure to Provide Notice of Debt : * Under FDCPA Section 809 ( a ) ( 15 U.S.C. 1692g ( a ) ), a collection agency must send the consumer a written notice of the debt within XXXX days of the initial communication. The notice must include the amount of the debt, the name of the creditor, and a statement of the consumers rights. The collection agency has failed to send me this notice. If proof of notification is to be provided, it must include a copy of the certified mail with a receipt bearing my signature as validation of the notification. 
* XXXX. Lack of Validation Information : * Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is required to provide validation information for any debt they are attempting to collect. Despite my requests, the agency has failed to provide the necessary validation information, yet they have placed the collection on my consumer report. 
XXXX. Denial of Dispute Rights : * According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers must be given the opportunity to dispute the account. The collection agency has not provided me with a chance to dispute the debt, thereby denying me my rights under this regulation. 
XXXX. False and Misleading Representation : * The collection agency is using false, misleading, and deceptive means to collect the debt, which is a direct violation of the FDCPA. This includes misrepresenting the amount, status, and legal liability of the debt. 
XXXX. Failure to Provide Required Disclosures : * The collection agency is in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) by furnishing information to consumer reporting agencies without providing any and all disclosures required by law. 

Relevant Legal Precedents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This case underscores the obligation of furnishers to report accurate information and the consequences of failing to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This case highlights the duty of credit reporting agencies to reinvestigate and ensure the accuracy of reported information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This case focuses on the standards for reasonable investigation under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX. Account number- XXXX I just received my credit report I noticed that you guys are reporting this account incorrectly this we'll figure it out but shows a past due balance of XXXX according to the FCRA , I have the right to an accurate credit report please remove this account from my credit report please provide me a copy of my new credit report reflecting this account upon the completion

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 explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I notified this company that I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX - XX/XX/2023 XXXX - XX/XX/2023 XXXX - XX/XX/2023 I also advised notice that they had 30 days to produce the requested contract/proof and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

The company did not complete or give notice of such investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: KY

Complaint narrative:
My student loan payments were mishandled. All the interest I paid towards my loans was taken and I was not given any credit for that money. 

Out of the $ XXXX I paid in to the $ XXXX I borrowed, only $ XXXX went towards Principal. 

Where did my money go??? I paid $ XXXX over the amount I borrowed and AES/PHEAA MISAPPLIED my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.

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
Consumer complaint received 2024-05-26 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
Here is what happened. : I had been paid by EDD {$1800.00}. On XX/XX/XXXX I requested a transfer into my personal checking through my mobile app. I inputted my banks routing # XXXX and acct XXXX XXXXXXXX. It said it would take 2-3 business days to receive those funds. On XX/XX/XXXX I checked my account and no funds had been received. I checked my money network account and realized the account # I typed was incorrect. I basically typed the 1st number wrong. I did a dispute on the XXXX with the money network dispute department and filed it. That dispute was denied and I do not know for what reason. I have checked with my bank through phone and in person and they have verbally confirmed that the original account # I inputted does not exist. There is nothing in writing they can provide to prove that either. They said that the money network should eventually receive those funds back as that account does not exist and even if existed if the name is not matching from the original transfer then it would be denied. I have been calling back and forth the money network and checking back and forth the status of my bank account and nothing. I am trying to resolve this in a very timely manner. This back and forth battle with the money network has been going on for almost a month. I have done everything in my part to help my case and show that there is money missing that is not being released to me. I have given up on calling because i always talk to a customer service rep and when i ask to talk to a higher level person, they transfer me to escalations and all they do is basically tell me that XXXX received my money and thewy wont release the information on how they came about that decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THIS TRUST UNAUTHORIZED ACCOUNT READS : XXXX XXXX # XXXX TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT AND IVE FILED An FTC REPORT XXXX UNDER OATH I HAVE NO CONTRACTS WITH THIS COMPANY AND THIS ALLEGED DEBT ALSO IF THIS WAS MY DEBT THIS COMPANY ISNT EVEN LICENSED TO COLLECT IN THE STATE OF TEXAS. ALSO I HAVE NO DEBT REPORTED WITH THE SECRETARY OF STATE WHICH IVE SUBMITTED A CERTIFIED NOTARIZED COPY .IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER RIGHTS AND HUMAN RIGHTS PLEASE DELETE ALLEGED ACCOUNTTTTTTTT IMMEDIATELY THANK YOU VERY MUCH IN THIS MATTER ANDD IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. 
ABUSED, XXXX XXXX XXXX UCC 1-308

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
Consumer complaint received 2024-05-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX Account Number- XXXX. I just received my credit report. I noticed you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a pas due balance of {$2600.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account upon completion

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 explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
The creditor has reported this account as a charge off/ Write off and never sent me a 1099-C form at the time of the charge off.

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 explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NV

Complaint narrative:
I HAD MY HOUSE SOLD TO A MARRIED COUPLE WHO QUALIFIED TO BUY MY HOUSE IN XXXX XXXX, NEVADA. THINGS WERE GOING SMOOTH UNTIL MY BUYER TRIED TO QUALIFY TO ASSUME THE SOLAR PANEL LOAN. NEVADA IS A COMMUNITY PROPERTY STATE BUT DIVIDEND FINANCE WOULD NOT ALLOW THEM TO USE BOTH THEIR INCOME. DIVIDEND FINANCE CLAIMED ONLY ONE PERSON CAN APPLY FOR THE TRANSFER AND CAN ONLY USE THEIR INCOME, COULD NOT INCLUDE SPOUSE 'S INCOME. WELL THIS KILLED THE SALE OF MY HOUSE AND IT IS BACK ON THE MARKET. WHEN I ASKED DIVIDEND FINANCE TO INFORM ME OF THE CRITERIA TO ASSUME TO LOAN TO PREVENT FURTHER FAILURE, THEY REFUSED TO TELL ME. 
FURTHERMORE THIS COMPANY IS CLAIMING MY TAX CREDIT OF ROUGHLY {$11000.00} DOLLARS FOR THEMSELVES AND I OWE THAT TO THEM IF I SELL MY HOUSE. I WAS USING THIS AS A TAX DEDUCTION FOR 2022, BUT DIVIDEND SAYS IT IS THEIRS AND IT IS IN THE CONTRACT IF I SELL THE HOUSE. YES IT IS IN THE CONTRACT. I ASKED THEM TO EXPLAIN WHY THIS MONEY IS THEIRS, ALL THEY REPEATED OVER AND OVER WAS, 'IT IS IN THE CONTRACT '. I WANTED SOME SORT OF EXPLANATION BUT AGAIN WAS REFUSED. 

THIS IS IN REFERENCE TO A COMPANY CALLED DIVIDEND FINANCE PHONE XXXX XXXX XXXX ASK FOR SOLAR LOAN TRANSFER XXXX WAS THE PERSON WHO COULD NOT HELP ME I CAN'T AFFORD FOR THE SALE OF MY HOME TO FALL THROUGH AGAIN BECAUSE OF THIS COMPANY. I NEED TO KNOW WHAT THEIR CRITERIA IS TO ASSUME THE LOAN WHICH THEY REFUSE TO GIVE ME

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
The creditor has this account listed as a write off on my credit file and they failed to send me a 1099-C for at the time of charge off, and is still reporting this item to my credit file. According to 60415 USC-1681b Income can not be reported to a consumers credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: IA

Complaint narrative:
The number I provided is my shared work office number. I am not the only person who answers this phone and they have been repeatedly calling. They have now submitted a law suit against me to the county I reside in.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I looked at my credit report on XXXX XXXX XXXX and noticed Inquires, addresses and accounts that were revolving on my credit report that were fraudulently. I did try reaching out to the Credit Bureaus but was unsuccessful in getting the accounts deleted so I filed an identity theft complaint. 

I

nquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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
Consumer complaint received 2024-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I received a letter in XX/XX/2024 about closing my account. I have recently had multiple fraud transactions on my credit cards and this was XXXX of them. Instead of notifying me of this issue they closed my account due to " unauthorized activity '' this caused a huge decrease in my credit as well as me not being able to figure out how to resolve the issue. There were was a check payment made and then taken out as if someone tried to take it out before it could be found out but it ended up coming back returned. My balance is now over the limit and I refuse to pay any further amounts owed until this is rectified and the actual amount owed is reflected. I also want this off of my credit and balance it shown as positive paid since they decided to go ahead and send it to my credit as if it was unpaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have a paypal credit account I took out a paypal credit for {$3800.00} and made a deal to pay it over the period of 6 months with 0 % interest. Now I have paid in full the balance and took a new Paypal credit out for approximatley {$3400.00} with the plan for 0 % interest over six months and they have now closed my account and stripped the deal from me demanding me to pay the full balance within one month with no warning.

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 explanation
Consumer complaint received 2024-05-26 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXXXXXX : # XXXX, KANSAS DEPARTMENT FOR CHILDREN AND FAMILY SERVICES : XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX : XXXX XXXXXXXX, CHILD SUPPORT ENFORCEMENT : # XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681 ( c ). ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.C 6802. I did not receive the required opt-out notice at the time the account was created and now being reported.

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
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Company ran my credit without my consent or authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
Company ran my credit without my consent or authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft and have inaccurate information on my credit report.

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 explanation
Consumer complaint received 2024-05-26 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: CAROLINA FINANCE, LLC
State: VA

Complaint narrative:
Ran my credit without my permission or my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
Company ran my credit with it my consent or authorization

Company response to consumer: Closed with explanation