{"took":160,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1622,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16447258","_score":14.90142,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I dispute the actions of XXXX XXXX, TransUnion, Experian, and XXXX  for sharing or disclosing my personal information without my knowledge or consent, in violation of my rights under 15 U.S.C. 1681 ( b ) and 1681e ( a ) of the Fair Credit Reporting Act. Federal law requires that consumer reporting agencies maintain the confidentiality, accuracy, and permissible use of consumer information. I did not authorize the release or distribution of my personal data to any third party. I am demanding an immediate investigation, cessation of all unauthorized disclosures, and confirmation of compliance with FCRA privacy and accuracy provisions.","date_sent_to_company":"2025-10-08T17:41:24.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"36303","tags":null,"has_narrative":true,"complaint_id":"16447258","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-10-08T17:40:58.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Received unwanted marketing or advertising"},"highlight":{"complaint_what_happened":["I dispute the actions of XXXX XXXX, TransUnion, Experian, and XXXX  for sharing or <em>disclosing</em> my personal <em>information</em> without my knowledge or consent, in violation of my rights under 15 U.S.C. 1681 ( b ) and 1681e ( a ) of the Fair Credit <em>Reporting</em> Act. Federal law requires that consumer <em>reporting</em> agencies maintain the <em>confidentiality</em>, accuracy, and permissible use of consumer <em>information</em>. I did not authorize the release or distribution of my personal data to any third party."]},"sort":[14.90142,"16447258"]},{"_index":"complaint-public-v1","_id":"16447257","_score":14.8764305,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I dispute the actions of XXXX XXXX, TransUnion, Experian, and XXXX  for sharing or disclosing my personal information without my knowledge or consent, in violation of my rights under 15 U.S.C. 1681 ( b ) and 1681e ( a ) of the Fair Credit Reporting Act. Federal law requires that consumer reporting agencies maintain the confidentiality, accuracy, and permissible use of consumer information. I did not authorize the release or distribution of my personal data to any third party. I am demanding an immediate investigation, cessation of all unauthorized disclosures, and confirmation of compliance with FCRA privacy and accuracy provisions.","date_sent_to_company":"2025-10-08T17:41:24.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"36303","tags":null,"has_narrative":true,"complaint_id":"16447257","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-10-08T17:40:58.000Z","state":"AL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Received unwanted marketing or advertising"},"highlight":{"complaint_what_happened":["I dispute the actions of XXXX XXXX, TransUnion, Experian, and XXXX  for sharing or <em>disclosing</em> my personal <em>information</em> without my knowledge or consent, in violation of my rights under 15 U.S.C. 1681 ( b ) and 1681e ( a ) of the Fair Credit <em>Reporting</em> Act. Federal law requires that consumer <em>reporting</em> agencies maintain the <em>confidentiality</em>, accuracy, and permissible use of consumer <em>information</em>. I did not authorize the release or distribution of my personal data to any third party."],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[14.8764305,"16447257"]},{"_index":"complaint-public-v1","_id":"14803134","_score":14.513426,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX Subject : Privacy Rights and Non-Disclosure of Personal Information Dear Experian, TXXXX XXXX I hope this letter finds you well. I am writing to address my rights under the Fair Credit Reporting Act ( FCRA ), regulations from the Consumer Financial Protection Bureau ( CFPB ), and the privacy provisions outlined in Title XXXX of the United States Code, particularly sections XXXX and XXXX. \n\nAs a consumer, I understand the importance of my personal information and demand adherence to legal obligations regarding its protection. Specifically : XXXX. * * Reporting Obligation ( XXXX XXXX. XXXX ) * * : I assert my rights regarding the reporting of information, particularly when no contract exists, ensuring that my data is protected from breaches and unauthorized access. \n\nXXXX. * * Respect for Personal Information Disclosure ( XXXX XXXX. XXXX ) * * : I request compliance with your obligation to respect the confidentiality of my personal information and to avoid unnecessary disclosures. \n\nXXXX. * * Opt-Out Rights ( XXXX XXXX. XXXX ( b ) ) * * : It is my right to be informed prior to any disclosure of my personal information to third parties. As per your obligations : - You must clearly and inconspicuously disclose to me, in writing, that my information may be disclosed to a XXXX  party. \n- I must have the opportunity to direct that my information not be disclosed before any initial disclosure. \n- You are required to provide a clear explanation of how I can exercise this opt-out option regarding my personal information. \n\nI wish to formally exercise my right to opt out of any disclosure of my information to third parties unless proper notice is provided and my consent is obtained. \n\nPlease confirm your compliance with my request, as well as your commitment to ensuring the confidentiality and security of my personal information. Failure to comply will necessitate my further action, including reporting to the appropriate regulatory authorities. \n\nThank you for your attention to this matter. I look forward to your prompt response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-07-22T19:29:53.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"146XX","tags":null,"has_narrative":true,"complaint_id":"14803134","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-07-22T19:25:26.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["XXXX ) * * : I request <em>compliance</em> with your obligation to respect the <em>confidentiality</em> of my personal <em>information</em> and to avoid unnecessary disclosures. \n\nXXXX. * * Opt-Out Rights ( XXXX XXXX. XXXX ( b ) ) * * : It is my right to be informed prior to any disclosure of my personal <em>information</em> to third parties. As per your obligations : - You must clearly and inconspicuously <em>disclose</em> to me, in writing, that my <em>information</em> may be <em>disclosed</em> to a XXXX  party."],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."]},"sort":[14.513426,"14803134"]},{"_index":"complaint-public-v1","_id":"14804628","_score":14.488282,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX Subject : Privacy Rights and Non-Disclosure of Personal Information Dear XXXX, TransUnion, XXXX, I hope this letter finds you well. I am writing to address my rights under the Fair Credit Reporting Act ( FCRA ), regulations from the Consumer Financial Protection Bureau ( CFPB ), and the privacy provisions outlined in Title XXXX of the United States Code, particularly sections XXXX and XXXX. \n\nAs a consumer, I understand the importance of my personal information and demand adherence to legal obligations regarding its protection. Specifically : XXXX. * * Reporting Obligation ( XXXX XXXX. XXXX ) * * : I assert my rights regarding the reporting of information, particularly when no contract exists, ensuring that my data is protected from breaches and unauthorized access. \n\nXXXX. * * Respect for Personal Information Disclosure ( XXXX XXXX. XXXX ) * * : I request compliance with your obligation to respect the confidentiality of my personal information and to avoid unnecessary disclosures. \n\nXXXX. * * Opt-Out Rights ( XXXX XXXX. XXXX ( b ) ) * * : It is my right to be informed prior to any disclosure of my personal information to third parties. As per your obligations : - You must clearly and inconspicuously disclose to me, in writing, that my information may be disclosed to a third party. \n- I must have the opportunity to direct that my information not be disclosed before any initial disclosure. \n- You are required to provide a clear explanation of how I can exercise this opt-out option regarding my personal information. \n\nI wish to formally exercise my right to opt out of any disclosure of my information to third parties unless proper notice is provided and my consent is obtained. \n\nPlease confirm your compliance with my request, as well as your commitment to ensuring the confidentiality and security of my personal information. Failure to comply will necessitate my further action, including reporting to the appropriate regulatory authorities. \n\nThank you for your attention to this matter. I look forward to your prompt response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-07-22T19:23:23.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"146XX","tags":null,"has_narrative":true,"complaint_id":"14804628","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-07-22T19:19:42.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX ) * * : I request <em>compliance</em> with your obligation to respect the <em>confidentiality</em> of my personal <em>information</em> and to avoid unnecessary disclosures. \n\nXXXX. * * Opt-Out Rights ( XXXX XXXX. XXXX ( b ) ) * * : It is my right to be informed prior to any disclosure of my personal <em>information</em> to third parties. As per your obligations : - You must clearly and inconspicuously <em>disclose</em> to me, in writing, that my <em>information</em> may be <em>disclosed</em> to a third party."],"issue":["Incorrect <em>information</em> on your <em>report</em>"],"sub_issue":["Account <em>information</em> incorrect"]},"sort":[14.488282,"14804628"]},{"_index":"complaint-public-v1","_id":"7357311","_score":14.189922,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and late payments are still erroneously being posted on my credit report : STATE EMPLOYEES CREDIT UNION Account Number : XXXX The company is in clear violation of the law, Under 15 U.S. Code 6802b - Obligations with respect to disclosures of personal information, THE LAW CLEARLY STATES ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\nUnder 15 USC 6802b, it is explicitly stated that financial institutions, including creditors like yourselves, are legally obligated to protect the privacy of consumer information. This includes but is not limited to, information such as account numbers, credit history, social security numbers, and transaction details. The law aims to ensure that the disclosure of such information is limited and controlled, in order to protect the rights and interests of consumers like myself.\n\nAs a responsible consumer, I am aware of my rights under this statute, and I wish to ensure that my personal information is handled with the utmost care and confidentiality.\n\nI understand that some measures may already be in place, however, I believe it is essential to highlight the significance of compliance with 15 USC 6802b and the importance of providing consumers like me with peace of mind that our sensitive data is well protected and managed according to the specifications of the consumer.","date_sent_to_company":"2023-08-06T14:53:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30135","tags":null,"has_narrative":true,"complaint_id":"7357311","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"STATE EMPLOYEES CREDIT UNION","date_received":"2023-08-06T13:32:58.000Z","state":"GA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":[") the consumer is given the opportunity, before the time that such <em>information</em> is initially <em>disclosed</em>, to direct that such <em>information</em> not be <em>disclosed</em> to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[14.189922,"7357311"]},{"_index":"complaint-public-v1","_id":"8373286","_score":13.489776,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. XXXX have report my private information without my consent. Navient actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. Delete account.","date_sent_to_company":"2024-02-19T20:52:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"995XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8373286","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-19T20:51:58.000Z","state":"AK","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and <em>confidentiality</em> of my private <em>information</em>. They have no lawful authority or permissible purpose to put any account on my consumer <em>reports</em>. 15 USC 1681 and civil liability for willful non-<em>compliance</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[13.489776,"8373286"]},{"_index":"complaint-public-v1","_id":"8372588","_score":13.489776,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. XXXX have report my private information without my consent. XXXX  actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. Delete account.","date_sent_to_company":"2024-02-19T20:51:53.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"995XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8372588","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-19T20:42:13.000Z","state":"AK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and <em>confidentiality</em> of my private <em>information</em>. They have no lawful authority or permissible purpose to put any account on my consumer <em>reports</em>. 15 USC 1681 and civil liability for willful non-<em>compliance</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[13.489776,"8372588"]},{"_index":"complaint-public-v1","_id":"8372406","_score":13.475203,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"USDOE/XXXX  is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. XXXX have report my private information without my consent. Navient actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. Delete account.","date_sent_to_company":"2024-02-19T20:52:00.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"995XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8372406","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-19T20:51:58.000Z","state":"AK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and <em>confidentiality</em> of my private <em>information</em>. They have no lawful authority or permissible purpose to put any account on my consumer <em>reports</em>. 15 USC 1681 and civil liability for willful non-<em>compliance</em>."],"issue":["Improper use of your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[13.475203,"8372406"]},{"_index":"complaint-public-v1","_id":"11705941","_score":13.446538,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon reviewing my credit report, I noticed that the above-referenced medical debt has been reported. However, I have reason to believe that my protected health information ( XXXX ) was improperly disclosed in violation of HIPAA regulations. I am a victim of identity theft, as well as the XXXX and XXXX data breach, so most accounts that appear on my credit report are fraudulent. \nAs you are aware, HIPAA mandates strict confidentiality and security measures for handling XXXX. Any unauthorized disclosure of my medical information not only violates my privacy rights but also constitutes a breach of federal law. \nIn light of this violation, I request that the following actions be taken immediately : Investigation and Removal : Conduct a thorough investigation into this matter and remove the disputed entry from my credit report if it is found to be inaccurate or improperly disclosed.\n\nNotification : Notify me in writing of the results of your investigation and any actions taken to rectify this issue.\n\nCorrection of Records : Ensure that all records related to this account are corrected to reflect the accurate status and compliance with HIPAA regulations. \nI will be seeking legal advice for companies like CREDIT MANAGEMENT COMPANY because Ive never been to a hospital in XXXX Florida. This company is clearly violating the FCRA by purchasing my personal and confidential information without my consent, reporting invalid information to every credit reporting agency on my credit reports, not conducting thorough investigations before reporting this information, violating HIPAA laws, and whatever else fraud theyre committing. This company should be ashamed of themselves! As a consumer, I know my rights and I know that I can be compensated for the damages caused by CREDIT MANAGEMENT COMPANY. I am willing to do any and everything to put this company to shame and make my credit reports reflect the correct information about my credit worthiness. Please note that CREDIT MANAGEMENT COMPANY is reporting this collection account TWICE on my credit report.","date_sent_to_company":"2025-01-23T11:24:08.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"294XX","tags":null,"has_narrative":true,"complaint_id":"11705941","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Collection Management Holdings, LLC","date_received":"2025-01-23T11:24:06.000Z","state":"SC","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["This company is clearly violating the FCRA by purchasing my personal and <em>confidential</em> <em>information</em> without my consent, <em>reporting</em> invalid <em>information</em> to every credit <em>reporting</em> agency on my credit <em>reports</em>, not conducting thorough investigations before <em>reporting</em> this <em>information</em>, violating HIPAA laws, and whatever else fraud theyre committing. This company should be ashamed of themselves!"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[13.446538,"11705941"]},{"_index":"complaint-public-v1","_id":"6862686","_score":13.230764,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"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 6802 : XXXX XXXX XXXX XXXX ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, 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 of this title.\n\n( b ) OPT ouT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option.\n\n( 2 ) EXCEPTION This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institution 's own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.\n\n( C ) LIMITS ON REUSE OF INFORMATION Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. \n( d ) LIMITATIONS ON THE SHARING OF ACCOUNT NUMBER INFORMATION FOR MARKETING PURPOSES A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. ( e ) GENERAL EXCEPTIONSSubsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information- ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with- servicing or processing a financial product or service requested or authorized by the consumer ; maintaining or servicing the consumer 's account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the - [ ] consumer ; ( 6 ) - [ ] ( A ) to a consumer reporting agency in accordance with the Fair Credit - [ ] Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; - [ ] ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely - [ ] consumers of such business or unit ; or - [ ] ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.","date_sent_to_company":"2023-04-19T19:51:15.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"641XX","tags":null,"has_narrative":true,"complaint_id":"6862686","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-04-19T19:51:10.000Z","state":"MO","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["6804 of this title, if the financial institution fully <em>discloses</em> the providing of such <em>information</em> and enters into a contractual agreement with the third party that requires the third party to maintain the <em>confidentiality</em> of such <em>information</em>"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[13.230764,"6862686"]},{"_index":"complaint-public-v1","_id":"6862680","_score":13.215526,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"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 6802 : XXXX XXXX XXXX XXXXXXXX ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, 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 of this title.\n\n( b ) OPT ouT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. \n( XXXX ) EXCEPTION This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institution 's own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.\n\n( C ) LIMITS ON REUSE OF INFORMATION Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. \n( d ) LIMITATIONS ON THE SHARING OF ACCOUNT NUMBER INFORMATION FOR MARKETING PURPOSES A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. ( e ) GENERAL EXCEPTIONSSubsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information- ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with- servicing or processing a financial product or service requested or authorized by the consumer ; maintaining or servicing the consumer 's account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the - [ ] consumer ; ( 6 ) - [ ] ( A ) to a consumer reporting agency in accordance with the Fair Credit - [ ] Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; - [ ] ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely - [ ] consumers of such business or unit ; or - [ ] ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.","date_sent_to_company":"2023-04-19T19:50:54.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"641XX","tags":null,"has_narrative":true,"complaint_id":"6862680","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-04-19T19:34:39.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["section 6804 of this title, if the financial institution fully <em>discloses</em> the providing of such <em>information</em> and enters into a contractual agreement with the third party that requires the third party to maintain the <em>confidentiality</em> of such <em>information</em>"],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[13.215526,"6862680"]},{"_index":"complaint-public-v1","_id":"8377565","_score":13.196838,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is not a verification dispute. XXXX Account # XXXX is old and is reporting 10 years on my credit report. XXXX is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. XXXX have report my private information without my consent. XXXX actions have amount to aggravated identity theft 18 USC 1028a . As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. \n\nDelete old XXXX Account XXXX.","date_sent_to_company":"2024-02-19T21:54:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"995XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8377565","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-19T21:54:19.000Z","state":"AK","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and <em>confidentiality</em> of my private <em>information</em>. They have no lawful authority or permissible purpose to put any account on my consumer <em>reports</em>. 15 USC 1681 and civil liability for willful non-<em>compliance</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[13.196838,"8377565"]},{"_index":"complaint-public-v1","_id":"9761407","_score":13.192668,"_source":{"product":"Debt collection","complaint_what_happened":"I am asking for the following information to be provided within the next 30 days. \n\nXXXX. Please provide evidence of all records, documents, and communications related to the handling, storage, and processing of my personal data. \nXXXX. Please identify and disclose all third parties who have had access to my personal information, including the nature and purpose of such access. \nXXXX. Please provide a comprehensive log of all instances of access to, and modifications of, my personal records. \nXXXX. Please submit all contracts, agreements, and related documents governing the handling or sharing of your personal data with third parties. \nXXXX. Please disclose all internal policies, procedures, and protocols concerning the protection and confidentiality of your personal data. \nXXXX. Please provide evidence of any training programs and materials provided to employees regarding data privacy and security. \nXXXX. Please produce all correspondence and documentation related to any data breaches or security incidents involving your personal data. \nXXXX. Please provide detailed documentation regarding the security measures and safeguards implemented to protect my personal data. \nXXXX. Please disclose all reports, audits, or assessments conducted related to data privacy and security practices. \nXXXX. Please provide records of any practices, procedures, or instances of data sharing or disclosure involving my personal data. \nXXXX. Please submit all analyses, reports, or documentation concerning the potential exposure or compromise of my personal data. \nXXXX. Please disclose all records of data access requests made by external entities related to my personal data. \nXXXX. Please provide documentation of any internal investigations or inquiries into potential privacy violations involving your data. \nXXXX. Please produce evidence of compliance with legal and regulatory requirements related to data privacy and protection. \nXXXX. Please disclose all communications and correspondence with regulatory bodies concerning data privacy matters related to your personal information. \nXXXX. Please provide evidence of any data anonymization or pseudonymization practices applied to my personal data. \nXXXX. Please disclose all records of consent obtained from you regarding the use or sharing of my personal data. \nXXXX. Please provide documentation of any transfers of your personal data outside the organization, including the recipients and purpose of such transfers. \nXXXX. Please submit logs of any system alerts, security incidents, or breaches related to the access or exposure of my personal data. \nXXXX. Please provide evidence of risk mitigation measures and actions taken to prevent unauthorized access or exposure of my personal data. \nXXXX. Please disclose any records of complaints or concerns raised by or about me concerning data privacy issues. \nXXXX. Please provide documentation related to encryption or other data protection technologies used to safeguard my personal data. \nXXXX. Please disclose any instances or evidence of unauthorized access to my personal data. \nXXXX. Please produce records regarding data retention and destruction policies and practices related to my personal data. \nXXXX. Please provide documentation of risk assessments and evaluations conducted related to the security and privacy of my personal data. \nXXXX. Please disclose any modifications or updates to internal policies or procedures affecting the handling and protection of my personal data. \nXXXX. Please provide documentation of any partnerships, affiliations, or relationships that may impact the privacy or security of my personal data. \nXXXX. Please disclose evidence of compliance with applicable privacy regulations, laws, and standards relevant to the protection of my personal data. \nXXXX. Please provide documentation related to any privacy impact assessments conducted concerning your personal data. \nXXXX. Please submit all reports, findings, or outcomes from external audits or reviews concerning data privacy and security practices related to your personal information. \n\nPlease provide evidence of training or guidelines provided to your affiliates on the prohibition of accessing or using my transactions and experiences. \n\nPlease submit logs or records of any attempts by your affiliates to access my transactions and experiences. \n\nPlease provide documentation of any compliance checks conducted to ensure that your affiliates did not access or use my transactions and experiences. \n\nPlease disclose any security measures specifically designed to prevent your affiliates from accessing or using my transactions and experiences. \n\nPlease provide any risk assessments or evaluations related to the protection of my transactions and experiences from unauthorized access by your affiliates. \n\nPlease submit records of any notifications or alerts regarding unauthorized access or use of my transactions and experiences by your affiliates. \n\nPlease provide evidence of the implementation of data access controls that prevent your affiliates from accessing my transactions and experiences. \n\nPlease disclose any reports or findings from external audits concerning your affiliates ' access to or use of my transactions and experiences. \n\nPlease provide documentation of any agreements or understandings with your affiliates related to the non-access or non-use of my transactions and experiences. \nPlease provide records of any legal or regulatory compliance related to the prevention of unauthorized access to my transactions and experiences by your affiliates. \n\nPlease disclose any communication or correspondence with third parties regarding the access or use of my transactions and experiences by your affiliates. \n\nPlease provide documentation related to any privacy impact assessments performed to ensure that your affiliates did not access or use my transactions and experiences. \n\nPlease disclose any instances where your affiliates were found to have improperly accessed or used my transactions and experiences, if any. \n\nPlease provide evidence of compliance with internal policies and procedures to prevent unauthorized access to my transactions and experiences by your affiliates. \n\nPlease disclose any procedures for monitoring or auditing your affiliates ' access to and use of personal transactions and experiences. \n\nPlease provide any documentation related to the review of your affiliates ' compliance with data protection requirements concerning my transactions and experiences. \n\nPlease submit any records or documentation related to actions taken to address any unauthorized access or use of my transactions and experiences by your affiliates. \n\nPlease disclose any corrective actions or measures implemented to prevent future access or use of my transactions and experiences by your affiliates. \n\nPlease provide evidence of the segregation of duties and responsibilities to ensure that your affiliates do not access or use my transactions and experiences. \n\nPlease submit any reports or findings that demonstrate the effectiveness of controls and safeguards in preventing your affiliates from accessing or using my transactions and experiences.","date_sent_to_company":"2024-08-09T18:13:51.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"08742","tags":null,"has_narrative":true,"complaint_id":"9761407","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ZWICKER & ASSOCIATES","date_received":"2024-08-09T17:38:05.000Z","state":"NJ","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Please produce evidence of <em>compliance</em> with legal and regulatory requirements related to data privacy and protection. \nXXXX. Please <em>disclose</em> all communications and correspondence with regulatory bodies concerning data privacy matters related to your personal <em>information</em>. \nXXXX. Please provide evidence of any data anonymization or pseudonymization practices applied to my personal data. \nXXXX."]},"sort":[13.192668,"9761407"]},{"_index":"complaint-public-v1","_id":"8372662","_score":13.176692,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is not a verification dispute. \n\nXXXX Account # XXXX is old and is reporting 15 years on my credit report. \n\nXXXX is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My XXXX loans are my business. My XXXX loans are my private information. XXXX have report my private information without my consent. Navient actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. \n\nDelete old XXXX Account XXXX.","date_sent_to_company":"2024-02-19T21:31:35.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"995XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8372662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-19T21:31:33.000Z","state":"AK","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and <em>confidentiality</em> of my private <em>information</em>. They have no lawful authority or permissible purpose to put any account on my consumer <em>reports</em>. 15 USC 1681 and civil liability for willful non-<em>compliance</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[13.176692,"8372662"]},{"_index":"complaint-public-v1","_id":"8372360","_score":13.176692,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is not a verification dispute. \n\nUSDOe/XXXX Account # XXXX is old and is reporting 15 years on my credit report. \n\nUSDOE/XXXX is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. Navient have report my private information without my consent. Navient actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. \n\nDelete old USDOEXXXX Account XXXX.","date_sent_to_company":"2024-02-19T21:31:27.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"995XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8372360","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-19T21:21:04.000Z","state":"AK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and <em>confidentiality</em> of my private <em>information</em>. They have no lawful authority or permissible purpose to put any account on my consumer <em>reports</em>. 15 USC 1681 and civil liability for willful non-<em>compliance</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[13.176692,"8372360"]},{"_index":"complaint-public-v1","_id":"8148502","_score":13.164751,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"ACCORDING TO THE BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining The FCRA protects consumer privacy in multiple ways, including by limiting the circumstances under which consumer reporting agencies may disclose consumer information.\n\nThis company has failed in their obligation to protect the privacy and confidentiality of my information.\n\nUnder under this rule financial companies are to have permissible purpose to furnish accounts to consumer report including THE WRITTEN INSTRUCTION OF WHOM THE CONSUMER RELATES. \n\nI have not giving any written instructions to furnish my non public personal information to any third party. \n\nThis company has knowningly transferred my account personal information without permissible purpose of whom the consumer relates to XXXX, XXXX AND XXXX. \n\nBecause of this reporting I have suffered damage to my reputation, my character, invasion of my privacy, emotional, physical and economic harm. \n\nI requested documentation of permissible purpose from this creditor and they refused to be in compliance and give that documentation to me and refused to DELETE my account if they can not give me reason as to permissible purpose.","date_sent_to_company":"2024-01-12T01:33:55.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"29483","tags":null,"has_narrative":true,"complaint_id":"8148502","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Bridgecrest Acceptance Corporation","date_received":"2024-01-12T01:33:53.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["ACCORDING TO THE BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 Fair Credit <em>Reporting</em> ; Permissible Purposes for Furnishing, Using, and Obtaining The FCRA protects consumer privacy in multiple ways, including by limiting the circumstances under which consumer <em>reporting</em> agencies may <em>disclose</em> consumer <em>information</em>.\n\nThis company has failed in their obligation to protect the privacy and <em>confidentiality</em> of my <em>information</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[13.164751,"8148502"]},{"_index":"complaint-public-v1","_id":"8282857","_score":13.162579,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. XXXX have report my private information without my consent. XXXX actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. \n\nThis account is old and has been on my credit report since 2010. \nPlease delete account # XXXX","date_sent_to_company":"2024-02-06T05:20:46.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"995XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8282857","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-06T05:09:02.000Z","state":"AK","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and <em>confidentiality</em> of my private <em>information</em>. They have no lawful authority or permissible purpose to put any account on my consumer <em>reports</em>. 15 USC 1681 and civil liability for willful non-<em>compliance</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[13.162579,"8282857"]},{"_index":"complaint-public-v1","_id":"8379085","_score":13.16111,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is not a verification dispute. XXXX Account # XXXX is old and is reporting 10 years on my credit report. XXXX is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. XXXX have report my private information without my consent. XXXX actions have amount to aggravated identity theft 18 USC 1028a . As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. \n\nDelete old XXXX Account XXXX.","date_sent_to_company":"2024-02-19T21:54:14.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"995XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8379085","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-19T21:46:14.000Z","state":"AK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and <em>confidentiality</em> of my private <em>information</em>. They have no lawful authority or permissible purpose to put any account on my consumer <em>reports</em>. 15 USC 1681 and civil liability for willful non-<em>compliance</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[13.16111,"8379085"]},{"_index":"complaint-public-v1","_id":"8379089","_score":13.151899,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX Account # XXXX. \n\nXXXX XXXX is reporting XXXX accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My credit cards are my business. My credit cards are my private information. XXXX XXXX have reported my private information without my consent. XXXX XXXX actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. \n\nDelete XXXX XXXX Account # XXXX.","date_sent_to_company":"2024-02-19T21:43:51.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"995XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8379089","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2024-02-19T21:33:17.000Z","state":"AK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and <em>confidentiality</em> of my private <em>information</em>. They have no lawful authority or permissible purpose to put any account on my consumer <em>reports</em>. 15 USC 1681 and civil liability for willful non-<em>compliance</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[13.151899,"8379089"]},{"_index":"complaint-public-v1","_id":"8379052","_score":13.151899,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX Account # XXXX. \n\nXXXX XXXX is reporting XXXX accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My credit cards are my business. My credit cards are my private information. XXXX XXXX have reported my private information without my consent. XXXX XXXX actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. \n\nDelete XXXX XXXX Account # XXXX.","date_sent_to_company":"2024-02-19T21:43:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"995XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8379052","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-19T21:43:57.000Z","state":"AK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and <em>confidentiality</em> of my private <em>information</em>. They have no lawful authority or permissible purpose to put any account on my consumer <em>reports</em>. 15 USC 1681 and civil liability for willful non-<em>compliance</em>."],"issue":["Improper use of your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[13.151899,"8379052"]},{"_index":"complaint-public-v1","_id":"8372484","_score":13.151068,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is not a verification account. XXXX Account # XXXX XXXX is reporting four accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My loans are my business. My loans are my private information. XXXX  have reported my private information without my consent. XXXX  actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX  have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. \n\nPlease delete XXXX Account # XXXX","date_sent_to_company":"2024-02-19T20:59:21.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"995XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8372484","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-19T20:53:24.000Z","state":"AK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and <em>confidentiality</em> of my private <em>information</em>. They have no lawful authority or permissible purpose to put any account on my consumer <em>reports</em>. 15 USC 1681 and civil liability for willful non-<em>compliance</em>."],"issue":["Improper use of your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[13.151068,"8372484"]},{"_index":"complaint-public-v1","_id":"8372467","_score":13.145237,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is not a verification account. \n\nXXXX Account XXXX XXXX is reporting four accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My loans are my business. My loans are my private information. XXXX  have reported my private information without my consent. XXXX  actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX  have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. \n\nPlease delete XXXX Account # XXXX","date_sent_to_company":"2024-02-19T20:31:23.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"995XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8372467","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-19T20:19:52.000Z","state":"AK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and <em>confidentiality</em> of my private <em>information</em>. They have no lawful authority or permissible purpose to put any account on my consumer <em>reports</em>. 15 USC 1681 and civil liability for willful non-<em>compliance</em>."],"issue":["Improper use of your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[13.145237,"8372467"]},{"_index":"complaint-public-v1","_id":"8379205","_score":13.129803,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is not a verification account. XXXX Account # XXXX XXXX is reporting XXXX accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My loans are my business. My loans are my private information. XXXX have reported my private information without my consent. XXXX  actions have amount to aggravated identity theft XXXX XXXX XXXX. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. Please delete XXXX Account # XXXX.","date_sent_to_company":"2024-02-19T21:05:40.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"995XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8379205","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2024-02-19T21:00:23.000Z","state":"AK","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and <em>confidentiality</em> of my private <em>information</em>. They have no lawful authority or permissible purpose to put any account on my consumer <em>reports</em>. 15 USC 1681 and civil liability for willful non-<em>compliance</em>."],"issue":["Improper use of your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[13.129803,"8379205"]},{"_index":"complaint-public-v1","_id":"8377584","_score":13.129803,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX Account # XXXX. \n\nXXXX XXXX is reporting XXXX accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My credit cards are my business. My credit cards are my private information. XXXX XXXX have reported my private information without my consent. XXXX XXXX actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. \n\nDelete XXXX XXXX Account # XXXX.","date_sent_to_company":"2024-02-19T21:43:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"995XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8377584","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-19T21:43:57.000Z","state":"AK","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and <em>confidentiality</em> of my private <em>information</em>. They have no lawful authority or permissible purpose to put any account on my consumer <em>reports</em>. 15 USC 1681 and civil liability for willful non-<em>compliance</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[13.129803,"8377584"]},{"_index":"complaint-public-v1","_id":"8372684","_score":13.129803,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"This is not a verification account. XXXX Account XXXX. \n\nXXXX is reporting four accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My loans are my business. My loans are my private information. XXXX  have reported my private information without my consent. XXXX  actions have amount to aggravated identity theft 18 USC 1028a. As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX  have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. 15 USC 1681 and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. Please delete XXXX Account # XXXX","date_sent_to_company":"2024-02-19T20:39:56.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"995XX","tags":"Servicemember","has_narrative":true,"complaint_id":"8372684","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-02-19T20:32:54.000Z","state":"AK","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["XXXX has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and <em>confidentiality</em> of my private <em>information</em>. They have no lawful authority or permissible purpose to put any account on my consumer <em>reports</em>. 15 USC 1681 and civil liability for willful non-<em>compliance</em>."],"issue":["Improper use of your <em>report</em>"],"sub_issue":["Reporting company used your <em>report</em> improperly"]},"sort":[13.129803,"8372684"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":1622,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":1622}]}},"product":{"doc_count":1622,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":1274,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":1262},{"key":"Other personal consumer report","doc_count":12}]}},{"key":"Credit reporting, credit repair services, or other personal consumer 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