{"took":222,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":81,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"8203955","_score":20.289692,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have recently filed an opt out notice with Early Warning Services to opt out of their reporting services due to illegally reporting my banking transaction history. I obtained a copy of my consumer disclosure file. The report consisted of my banking information, status history, transactions and inquirers for the past 36 months. I was never offered my formal opt notice from Early Warning Services prior to them disclosing my non-public personal information to the inquirers. Per, 12 CFR 1016.4 Initial privacy notice to consumers required. \n( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third Party 12 CFR 1016.7 goes on to state the forms of opt out notices which I received no acceptable variation of. \nFurthermore, solely reporting my transition history is illegal as a federally protected consumer and should not be included in any consumer report. \nPer 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. \nThe term consumer means an individual. \nThe term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. \nAccording to XXXX Privacy Policies they do not share any personal information with non-affiliate third parties. ( See attachments ) Early Warning Services sent me a letter stating that they had permission from my bank XXXX to furnish my non-public private information. I did/do not consent to having my personal transaction history reported, as it is illegal to do so especially without my written consent. \n15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. \nPer the FCRA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 U.S. Code 6802 effective immediately and indefinitely.","date_sent_to_company":"2024-01-22T18:50:12.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"741XX","tags":null,"has_narrative":true,"complaint_id":"8203955","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2024-01-22T18:50:09.000Z","state":"OK","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have recently filed an opt out notice with Early <em>Warning</em> Services to opt out of their <em>reporting</em> services due to <em>illegally</em> <em>reporting</em> my banking <em>transaction</em> history. I obtained a copy of my consumer disclosure file. The <em>report</em> consisted of my banking <em>information</em>, status history, transactions and inquirers for the past 36 months. I was never offered my formal opt notice from Early <em>Warning</em> Services prior to them disclosing my non-public <em>personal</em> <em>information</em> to the inquirers."],"product":["Credit <em>reporting</em> or other <em>personal</em> consumer reports"],"issue":["Improper use of your <em>report</em>"],"company":["Early <em>Warning</em> Services, LLC"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[20.289692,"8203955"]},{"_index":"complaint-public-v1","_id":"8821454","_score":19.816666,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"EARLY WARNING services has illegally required my personal information and is reporting my transaction history to other financial institutions. Early warning services states that I don't have the authority to regulate whether to XXXX XXXX of their credit reporting because they have permission from my bank. \n\nI am putting Early Warning Service, XXXX XXXX and XXXX XXXX  XXXX on notice they have 14 days or less to cease and desist reporting my personal non public private information to early warning services. In my terms and conditions from both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX they state they WILL NOT furnish my information to ANY NON-AFFILIATES! EARLY WARNING SERVICE IS NOT AN AFFILIATE OF EITHER OF THE BANKS I BANK WITH! THEREFORE, they do not fall under the scope of permissible purpose pursuant 15 use 1681 ( b ) which states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.\n\n( 2 ) In accordance with the written instructions of the consumer to whom it relates.\n\n( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or again since EARLY WARNING SERVICES IS A NON-AFFILIATE they have no jurisdiction to stop me from opting out of their credit services, nor was it disclosed to me that they would be involved in the connection of my consumer credit transaction.\n\nEARLY WARNING SERVICES has 14 days from the receipt of this notice to furnish the following information : List and produce evidence from ALL Financial institutions on my early warning services report who gave them permission to report this information. LIST THE NAME OF THE FINANCIAL INSTITUTIONS, THE DATES AND TIMES IN WHICH PERMISSION WAS GIVEN. PROVIDE IRREFUTABLE EVIDENCE THEY ARE AFFILIATES OF THE FINANCIAL INSTITUTIONS I BANK WITH. WHO DID THEY RECEIVE PERMISSIBLE PURPOSE FROM TO REPORT THIS INFORMATION. PRODUCE THE DISCLOSURE OR AGREEMENT I SIGNED AGREEING TO OPT-IN TO THEIR SERVICES.\n\nIF THEY SAY THEY RECEIVED PERMISSIBLE PURPOSE FROM MY BANK PLEASE PRODUCE THE DOCUMENTATION AND PROOF OF WHEN AND HOW MY BANKS GAVE THEM SUCH AUTHORITY. AS WELL AS HOW WHO REALLY GAVE THEM MY INFORMATION. ALL TRANSACTIONS WITH MY BANKS ARE PRIVATE SO HOW HAS EARLY WARNING SERVICE RECEIVED THE AUTHORITY TO MAKE THIS PUBLIC INFORMATION AVAILABLE TO ANYONE WHO REQUESTS IT. THIS IS A VIOLATION OF THE PRIVACY ACT OF 1974 WHICH PROVIDES SAFEGUARDS AGAINST UNWARRANTED INVASION OF MY PRIVACY. \n\nattached is a list of XXXX XXXXXXXX XXXX affiliates and early warning service is not on there as well as a notice from XXXX XXXX that they will not provide my information to non affiliates, you have 14 days to produce irrefutable proof of the requested documentation listed above. if you have the authority to report this information and stop me from regulating how my information is distributed then you should have proof of such claim. I look forward to your answer. Id also like to state XXXX XXXX XXXX XXXX states they will report some of my information to the credit bureau and since the only credit bureau is the CFPB you most definitely have no authority here.","date_sent_to_company":"2024-04-22T02:34:51.000Z","issue":"Problem with a company's investigation into an existing issue","sub_product":"Other personal consumer report","zip_code":"77008","tags":null,"has_narrative":true,"complaint_id":"8821454","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2024-04-22T01:45:33.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["EARLY <em>WARNING</em> services has <em>illegally</em> <em>required</em> my <em>personal</em> <em>information</em> and is <em>reporting</em> my <em>transaction</em> history to other financial institutions. Early <em>warning</em> services states that I don't have the authority to regulate whether to XXXX XXXX of their credit <em>reporting</em> because they have permission from my bank."],"product":["Credit <em>reporting</em> or other <em>personal</em> consumer reports"],"company":["Early <em>Warning</em> Services, LLC"],"sub_product":["Other <em>personal</em> consumer <em>report</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[19.816666,"8821454"]},{"_index":"complaint-public-v1","_id":"8683694","_score":18.829535,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am writing to address several violations committed by Early Warning, which have come to my attention. As per the Fair Credit Reporting Act ( FCRA ) and in recognition of my rights as a federally protected consumer, I am hereby exercising my right to opt out of any and all authorizations granted to Early Warning, including those given verbally, nonverbally, or in writing, regarding the sharing of my personal information with third parties pursuant to 15 U.S. Code 6802. Reporting transaction history is illegal without my consent. This is effective IMMEDIATELY AND INDEFINITELY.\n\nUnder the Fair Credit Reporting Act ( 15 USC 1681 section 602 a ), it is emphasized that consumer reporting agencies must uphold their responsibilities with fairness, impartiality, and a regard for consumer privacy rights. Early Warnings falls under the umbrella of consumer reporting agencies, while I, as the Consumer, retain the right to safeguard my private information, as reinforced by 15 USC 6801. As per 15 USC 1681 section 604 a section 2, consumer reporting agencies like Early warnings can only furnish a consumer report with the explicit written instructions of the concerned consumer. 15 USC 6802 ( b ) ( c ) mandates that a financial institution can not disclose nonpublic personal information to third parties without informing the consumer about their right to opt out of such disclosures. \nAdditionally, according to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse items of information in a consumer report without authorization, particularly if they antedate the report by more than seven years. The accounts in question are adverse items being reported without my consent, thus violating the law.\n\nFurthermore, under 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful to furnish inaccurate information to consumer reporting agencies, and every consumer reporting agency is required to implement reasonable procedures to prevent violations of reporting restrictions. However, Early Warnings is not adhering to these standards.\n\nIt has also come to my attention that Early Warning has failed to comply with the Initial Notice Requirement outlined in 12CFR1016.4 ( a ) of the Consumer Financial Protection Bureau ( CFPB ) website. This failure includes neglecting to provide a clear and conspicuous notice reflecting their privacy policies and practices, as well as not affording me the opportunity to opt out prior to disclosing my personal information to third parties.\n\nFurthermore, Early Warning is in violation of 12CFR1016.7 ( a ) ( 1 ) by not disclosing to me, the consumer, the sharing of my personal information with nonaffiliated third parties, thereby denying me the right to opt out as mandated.\n\nIn addition to these violations, Early Warnings is also in direct contravention of the Privacy Act of 1974 ( 5 U.S.C. 552a ( b ) ), which prohibits the disclosure of records contained in a system of records without the prior written consent of the individual to whom the record pertains.\n\nMoreover, Early Warning 's actions violate 16 CFR Part 313 regarding the privacy of consumer financial information, particularly sections 313.7, 313.8 ( a ), 313.9 ( a ), and 313.10 ( b ) ( 1 ). These violations encompass failure to provide adequate privacy notices, non-compliance with opt-out requirements, and unauthorized disclosure of nonpublic personal information.\n\nThese breaches must be addressed, enforced, and remedied as per the enforcement responsibilities outlined in 15 U.S. Code 6805 ( a ), which designates the Consumer Financial Protection Bureau ( CFPB ), Federal functional regulators, State insurance authorities, and the Federal Trade Commission for the enforcement of such laws.","date_sent_to_company":"2024-04-03T20:13:16.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90043","tags":null,"has_narrative":true,"complaint_id":"8683694","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2024-04-03T19:56:34.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>Reporting</em> <em>transaction</em> history is <em>illegal</em> without my consent. This is effective IMMEDIATELY AND INDEFINITELY.\n\nUnder the Fair Credit <em>Reporting</em> Act ( 15 USC 1681 section 602 a ), it is emphasized that consumer <em>reporting</em> agencies must uphold their responsibilities with fairness, impartiality, and a regard for consumer privacy rights."],"product":["Credit <em>reporting</em> or other <em>personal</em> consumer reports"],"issue":["Improper use of your <em>report</em>"],"company":["Early <em>Warning</em> Services, LLC"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[18.829535,"8683694"]},{"_index":"complaint-public-v1","_id":"5453295","_score":17.988924,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I've been a user/customer of Binance.us since XX/XX/XXXX. In order to report and file my taxes, I tried to log into my account on XX/XX/XXXX to download my transaction history and any tax forms they have for me. Instead of allowing me to log in, Binance.us confronted me with an extremely intrusive consent form that would require that I allow Binance.us to collect AND share highly sensitive biometric PII data with third-party companies. For obvious reasons, I can not and will not consent to this attempted theft of personal information. \n\nThey only provide an option to say \" yes '' or to log out. Failure to grant them this consent disallows access to my own account, so they are holding my money and my XXXX tax reporting information hostage at the price of my very private personal data. They did NOT provide any prior warning of these unilateral change, and they did NOT provide the ability to transfer our my funds and close my account and opt out of their scam. I have been trying to work with their useless support team since the XXXX, but they've done nothing whatsoever except provide canned or nonsensical responses. \n\nI spoke with a tax expert from XXXX who believes that what Binance.us is doing is illegal, and I have informed Binance.us of this. I am currently unable to properly file my taxes due to Binance.us 's likely crimes.","date_sent_to_company":"2022-04-15T19:34:55.000Z","issue":"Other service problem","sub_product":"Virtual currency","zip_code":"303XX","tags":null,"has_narrative":true,"complaint_id":"5453295","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BAM Management US Holdings Inc.","date_received":"2022-04-15T19:10:57.000Z","state":"GA","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["In order to <em>report</em> and file my taxes, I tried to log into my account on XX/XX/XXXX to download my <em>transaction</em> history and any tax forms they have for me. Instead of allowing me to log in, Binance.us confronted me with an extremely intrusive consent form that would <em>require</em> that I allow Binance.us to collect AND share highly sensitive biometric PII data with third-party companies. For obvious reasons, I can not and will not consent to this attempted theft of <em>personal</em> <em>information</em>."]},"sort":[17.988924,"5453295"]},{"_index":"complaint-public-v1","_id":"5233979","_score":16.775383,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I sent a letter to Early Warning Services to have the Cease and Desist reporting illegal information. Pursuant to XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ), Early Warning Services does not written instructions from me to report anything on my consumer report. Furthermore, Early Warning XXXX uses XXXX to conduct their \" investigations ''. XXXX uses XXXX XXXX XXXX embedded in it's process. This mean no real human worker is conducting a true investigation. Below is a letter that I sent to Early Warning Services. I true investigation was not conducted. \n__________________________________________________ This is a warning. It has come to my attention that I have been violated of several of my consumer rights. I, XXXX XXXX, a natural person is demanding that you cease and desist all illegal reporting activity on my consumer report pursuant Title XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ). You EarlyWarning are a consumer reporting agency. As a consumer myself of the United States, A Federal Corporation, I dictate and verify the accuracy of what reports on my consumer reports pursuant Title XXXX XXXXXXXX XXXX XXXX ( XXXX ). \nI demand you cease and desist reporting this information XXXX XXXXXXXX XXXX as the provider of that information is reporting inaccurate information as you or the provider of the information have provided documentation proving this information is accurate pursuant to Title XXXX XXXX XXXX  XXXX Pursuant to Title XXXXXXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) I demand you cease and desist reporting all illegal account information as your organization has used unfair methods of reporting information as you're not using the entire elaborate mechanism when it comes to investigating ( XXXX ). \nPursuant to Title XXXX XXXX XXXX XXXXXXXX ( XXXX ) ( XXXX ), I am demanding that you stop all negative bank information on my EarlyWarning consumer report as you have not received any written instructions from me, the Consumer, a natural person and the Original Creditor. \nPursuant to XXXX XXXX XXXX XXXX XXXX ( XXXX ), I am demanding that you stop all negative bank information on my EarlyWarning consumer report as you have not shared with me the process of how you got the inaccurate information, the person you got the information from, the person who authorized the reporting of the negative information and physical proof of the information you are reporting. \nPursuant to XXXX XXXXXXXX XXXXXXXX XXXX XXXX, It is the sworn duty of the data furnisher, XXXX XXXX XXXXXXXX, to provide your with accurate information. I demand that you cease and desist all negative reporting information of XXXX XXXX  XXXX as you or them have not shared with me, the Consumer, a natural person and the Original Creditor physical proof as to the validity of your reporting. \nPursuant to XXXX XXXX XXXX XXXX XXXX, any information that you can not verify must promptly be deleted. As a Consumer, a natural person and the Original Creditor, I am the only person that can validate and/or verify any information on my consumer reports as that information is my private and personal information. \nSend an audit ( investigation ) trail pursuant to XXXX XXXX XXXX ( XXXX ) including all documents, including but not limited to, signed documents, documents that include the wording adverse information pertained with in them, who authorized the sharing of my personal and private information with third-party consumer reports and anything else related to the Consumer for review and validation Delete all accounts containing unverified, unvalidated, inaccurate, assumed information pertaining to this XXXX XXXX XXXXXXXX Remove all marks and comments off all consumer reports. \nCease all communication with my intellectual property unless it pertains to you stating that you have ceased all reporting with consumer reporting agencies. \nAgain, this is a notice pursuant to the Fair Credit Reporting Act. Failure to honor the demands and provided the required documentation for proper validation of the alleged derogatory account within XXXX days of this notice shall : a. be taken as tacit agreement to the claims set forth, XXXX grant the Consumer all granted remedies and XXXX may result in litigation __________________________________________________________- Re : Account information to be deleted immediately : Bank Name : XXXX XXXX XXXXXXXX Bank Account Number : XXXX Bank Routing Number : XXXX The description as to why the accounts are to be removed/deleted follows below. Your organization is in violation of my privacy rights and consumer reporting laws. \nSupporting documentation is/will be attached to this letter. \nPlease read the information below XXXX and XXXX as to not get anything confused! \nThank You! \nTo Whom It May Concern : Cease and Desist All Reporting Activities As You Never Received Written Instructions To Report Information I Never Sent To You or Gave You Consent To Report Pursuant to XXXX XXXX XXXX - \" As it states a consumer reporting agency can not furnish a consumer report without your written instruction the fact that the law states that they may only furnish the report under no other circumstances than in accordance with the written instruction of the consumer. '' I XXXX XXXX, as the consumer instruct you to remove XXXX XXXX XXXXXXXX in accordance with the law ( XXXX XXXX XXXX ). \nI, XXXX XXXX never gave EarlyWarning any written consent to report anything on my consumer report, No consent is considered my identity being stolenon your organization/company 's part. A copy of the XXXX XXXX XXXX XXXX XXXX will be attached. \nPursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. Similar device also includes a bank account since credit accounts are extended from type bank or similar device. \nThe definition of a credit card under XXXX XXXX XXXX is the same as it is under XXXX XXXX XXXX ( I ) which is the term credit card means any card, plate, coupon book, account or other credit device existing for the purpose of obtaining money [ bank account ], property, labor, or services on credit. \nNotice, XXXX said ANY card [ or similar device ]. The credit card or similar device is my social security card. This is the credit card or similar device I used to originate every consumer credit transaction below. They should all be removed from My Consumer report pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX  ). \nI am demanding that you remove this transaction from my report immediately as they are a violation of my privacy and my rights as a Federally Protected consumer under XXXX XXXX chapter XXXX.","date_sent_to_company":"2022-02-17T16:24:54.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"30223","tags":null,"has_narrative":true,"complaint_id":"5233979","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2022-02-17T16:11:08.000Z","state":"GA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["I sent a letter to Early <em>Warning</em> Services to have the Cease and Desist <em>reporting</em> <em>illegal</em> <em>information</em>. Pursuant to XXXX XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ), Early <em>Warning</em> Services does not written instructions from me to <em>report</em> anything on my consumer <em>report</em>. Furthermore, Early <em>Warning</em> XXXX uses XXXX to conduct their \" investigations ''. XXXX uses XXXX XXXX XXXX embedded in it's process. This mean no real human worker is conducting a true investigation."],"product":["Credit <em>reporting</em>, credit repair services, or other <em>personal</em> consumer reports"],"issue":["Problem with a credit <em>reporting</em> company's investigation into an existing problem"],"company":["Early <em>Warning</em> Services, LLC"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.775383,"5233979"]},{"_index":"complaint-public-v1","_id":"8878898","_score":16.2555,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"It has come to my attention that XXXX XXXX XXXX XXXX HAS GIVEN PERMISSION TO EARLY WARNING SERVICES TO REPORT MY INFORMATION. EARLY WARNING SERVICE STATED THEY RECEIVED AUTHORIZATION FROM XXXX XXXX TO REPORT MY INFORMATION WITHOUT CONSIDERATION FOR ME. Is this true XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX has a responsibility on how my information is furnished under 15 usc 1681s-2.\n\nIT IS ILLEGAL TO REPORT TRANSACTION HISTORY OF ANY KIND AND GOES AGAINST MY RIGHT TO PRIVACY PER THE PRIVACY ACT OF XXXX CODIFIED AS 5 USC 552 ( A ). XXXX XXXX XXXX XXXX TERMS AND CONDITIONS STATE THEY WILL NOT SHARE MY INFORMATION TO NON-AFFILIATES SINCE EARLY WARNING SERVICES LLC IS NOT AN AFFILIATE OF XXXX XXXX THE FACT THAT THEY HAVE MY PERSONAL NON PUBLIC PRIVATE INFORMATION MEANS XXXX XXXX IS VIOLATING THEIR AGREEMENT TO ME WHICH WE BOTH CONSENTED TOO. \n\nEARLY WARNING SERVICES LLC HAS BEEN ILLEGALLY PROVIDING HISTORY OF MY TRANSACTIONS TO ALL THAT REQUEST THEIR REPORT WITHOUT MY CONSENT OR KNOWLEDGE. ALSO VIOLATING MY RIGHT TO OPT - OUT STATING I CAN NOT BECAUSE OF XXXX XXXX. I HAVE A RIGHT TO PRIVACY AND PROPER DISCLOSURE OF THIS FACT AND HAVE YET TO RECEIVE THIS DISCLOSURE NOR THE ABILITY TO OPT-OUT. THIS GOES AGAINST 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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 ( 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. \nOnce again they must give you an opt out notice for anything that is to be added to your consumer report. \n\nAnd I am requesting and putting the CFPB on notice to enforce this Pursuant : 15 U.S. Code 6805 - Enforcement ( a ) In general - Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, I have the right to opt out of anything on my report at any time and the companies must comply as soon as reasonably practicable after receiving this notice. You have given me unreasonable means to opt out! \n\n\nEARLY WARNING SERVICES IS VIOLATING 15 USC 1681 ( B ) UNDER PERMISSIBLE PURPOSES WHICH STATES THEY MUST HAVE MY WRITTEN CONSENT TO PROVIDE THIS INFORMATION, A COURT ORDER OR REASON TO BELIEVE ITS IN CONNECTION WITH A CONSUMER CREDIT TRANSACTION. SINCE I HAVE NEVER DONE BUSINESS WITH THIS COMPANY NOR HAS IT BEEN DISCLOSED TO ME UNDER PERMISSIBLE PURPOSES THAT THE FINANCIAL INSTITUTIONS I DO BUSINESS WITH HAVE THE LEGAL CAPACITY TO SHARE MY INFORMATION WITH NON AFFILIATES I CAN ONLY CONCLUDE MY INFORMATION WAS SOLD ILLEGALLY TOO THEM. BECAUSE XXXX XXXX AGREED IN WRITING NOT TO DISCLOSE MY INFORMATION TO NON-AFFILIATES THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT AND DOES NOT FALL UNDER PERMISSIBLE PURPOSES. EARLY WARNING SERVICES HAS BEEN PROVIDING MY INFORMATION WITHOUT MY CONSENT TO DIFFERENT FINANCIAL INSTITUTIONS WHICH HAS RESULTED IN ME BEING DENIED THE ABILITY TO BANK WITH CERTAIN FINANCIAL INSTITUTIONS AND SAID FINANCIAL INSTUTIONS DENYING ME THE RIGHT TO CREDIT AND KEEPING MY SECURITIES. THIS GOES AGAINST MY CONSUMER PROTECTED RIGHTS. I AM PUTTING XXXX XXXX XXXX XXXX ON NOTICE THAT I AM ONCE AGAIN OPTING OUT OF ALL CONSUMER CREDIT REPORTS AND THE REPORTING OF ANY INFORMATION PERTAINING TO ME. I AM REVOKING ANY CONSENT I MAY OR MAY NOT HAVE GIVEN YOU. WHETHER VERBAL, NON VERBAL, WRITTEN OR NON WRITTEN EFFECTIVE IMMEDIATELY AND FOREVER MORE. I AM OPEN TO RECTIFYING THIS MATTER WITH THE IMMEDIATE REMOVE OF REPORTING MY INFORMATION TO EARLY WARNING SERVICES AND AN UPDATE TO THE XXXX MAJOR CREDIT REPORTING AGENCIES OF ANY AND ALL LATE PAYMENTS AS PAID ON TIME AND NEVER LATE AND ADVERSE INFORMATION BEING REPORTED INCLUDING UTILIZATION, TRANSACTION HISTORY ETC. I AM WILLING TO RECTIFY THIS MATTER WITH MONETARY RELIEF AND REMEDY. AND GIVE XXXX XXXX XXXX XXXX PERMISSION TO CONTACT ME ABOUT SAID MONETARY RELIEF AND REMEDY. IF I EVER SEE MY INFORMATION BEING REPORTED BY ANOTHER NON AFFILIATE I WILL BE FILING FORM TO AUDIT ALL CONSUMER ACCOUNTS AND TAKING LEGAL ACTION TO ENFORCE AND PROTECT MY RIGHTS. AS WELL AS FILING MANDATORY ARBITRATION. \n\n\nHere are some more laws for your records so we may not have to visit this matter again : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they wilfully violated the act you are entitled to at least XXXX $ per violation plus any other damages you have sustained as a result of their failure to follow the law. If you have to file more than XXXX complaint, wilful noncompliance can easily be proven as they had a full understanding of the violations after you complained the XXXX time. \n\nEvery company in their agreements with consumers said they would follow the law and agreed to do so.They are aware that they are breaking the law. \n15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting process 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. \nNo adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation","date_sent_to_company":"2024-04-29T00:06:17.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"77008","tags":null,"has_narrative":true,"complaint_id":"8878898","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2024-04-29T00:06:15.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["IT IS <em>ILLEGAL</em> TO <em>REPORT</em> <em>TRANSACTION</em> HISTORY OF ANY KIND AND GOES AGAINST MY RIGHT TO PRIVACY PER THE PRIVACY ACT OF XXXX CODIFIED AS 5 USC 552 ( A ). XXXX XXXX XXXX XXXX TERMS AND CONDITIONS STATE THEY WILL NOT SHARE MY <em>INFORMATION</em> TO NON-AFFILIATES SINCE EARLY <em>WARNING</em> SERVICES LLC IS NOT AN AFFILIATE OF XXXX XXXX THE FACT THAT THEY HAVE MY <em>PERSONAL</em> NON PUBLIC PRIVATE <em>INFORMATION</em> MEANS XXXX XXXX IS VIOLATING THEIR AGREEMENT TO ME WHICH WE BOTH CONSENTED TOO."],"product":["Credit <em>reporting</em> or other <em>personal</em> consumer reports"],"company":["Early <em>Warning</em> Services, LLC"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[16.2555,"8878898"]},{"_index":"complaint-public-v1","_id":"8686521","_score":15.126886,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I hereby submit a formal complaint against EARLY WARNING SERVICES, XXXX, XXXX and XXXX FOR discrimination, retaliation, bank fraud, wire fraud, and violations of the XXXX Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. Ive had Active Complaints with FTC, and CFPB : This grievance is not isolated there have been federal investigations and intervention by the FBI, FTC, and CFPB and there are still active complaints regarding similar violations and complaints about regulations and compliance with EARLY WARNING SERVICES, XXXX, XXXX and XXXX highlighting a pattern of potentially illegal practices by these company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe with unquestioning belief that EARLY WARNING SERVICES, XXXX, XXXX, and XXXX has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : EARLY WARNING SERVICES, XXXX, XXXX, and XXXX is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : EARLY WARNING SERVICES, XXXX, XXXX, and XXXX actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. V. Discrimination : EARLY WARNING SERVICES, XXXX, XXXX and XXXX, has had no regards to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the Fair Credit Reporting Act. EARLY WARNING SERVICES, XXXX, XXXX, and XXXX has never provided their method and/or proof of verification that gives them the authority to report inaccurate, non-public, personal information on my consumer report. Which is documented via the CFPB with their responses that has not addressed the issue of their willful non-compliance of the Fair Credit Reporting Act and Privacy Act of 1974 by the sharing of inaccurate, non-public, personal information on my consumer report. There is also income being reported, by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX on my consumer report as well ( XXXX XXXX XXXX XXXX ) which also goes against federal regulations. Nor has these accounts been properly verified and/or validated according to federal guidelines. According to the compliance procedures of the fair credit reporting act every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title Retaliation : Their refusal to address previous complaints and seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX have adhered to federal laws by deleting some but not all inaccurate information from my credit reports. EARLY WARNING SERVICES, XXXX, and XXXX refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to racial discrimination, bank fraud, wire fraud, and RICO violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against EARLY WARNING SERVICES, XXXX, XXXX, and XXXX. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter. I AM ACHING FROM BETRAYAL I CANT BUY A HOUSE IM NOW HOMELESS BECAUSE I CANT experience OPENING A BANK ACCOUNT EVERYTIME I TRY TO OPEN A BANK ACCOUNT THEY TELL ME EARLY WARNING SERVICES IS REPORTING NEGATIVELY ON MY CONSUMER FILE BECAUSE THEY ARE REPORTING NEGATIVE INACCURATE ACCOUNTS THAT ARE NOT MINES AND THINK I AM NOT FISCALLY RESPONSIBLE Find attached letters from EARLY WARNING SERVICES and Reports from XXXX, XXXX, and XXXX and analyze the evidence. I give you 4 working days to resolve this issue as this account status is defaming my character and I have lost a lot of business relationship and seems to cant bridge the gap for the ability to business with creditors. Because of this defamation of character, I have suffered emotional and financial damages for years and you have also stolen from me. Upon receiving my Consumer Disclosure report from XXXX, XXXX, and XXXX ( 3rd Party Reporting Agency ) discoveries relating to the information provided from said partys has reveled a plethora of violations committed by multiple 3rd party affiliate, non-affiliates or any and every entity which may be recognized in addition through further investigation from past, present and future furnishing of my nonpublic private information. These are issues I wish to address due to all parties who may have breached the of terms and agreements leading to have adversely effected my rights under but not limited to the Fair Credit Reporting Act and the Privacy Act of 1974. This confidential process has felt like the endless sea. The sharing of my personal information was done so without my written consent. From disclosure of numerous non-public personal information including but not limited to discrepancies, errors, inaccuracies, derogatory marks, inquiries all of which etc. The information disclosed to 3rd parties has negatively affected approval and access to credit from certain documents which prove to be valid in detail with this letter. 15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Consumer : There is a need to protect my privacy which every company may be in violation of which the terms, conditions and privacy policy are attached with this dispute. Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates Consumer : They need my written consent to add anything to my consumer report. Since I did not authorize this, it is a violation of the Fair Credit Reporting Act. 82 Stat. 146 - An Act to safeguard the consumer in connection with the utilization of credit by requiring full disclosure of the terms and conditions of finance charges in credit transactions or in offers to extend credit ; by restricting the garnishment of wages ; and by creating the National Commission on Consumer Finance to study and make recommendations on the need for further regulation of the consumer finance industry ; and for other purposes Consumer : This is law that backs the code and is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) Consumer : Reporting Transaction history is illegal. EARLY WARNING SERVICES, XXXX, XXXX, and XXXX is in violation of reporting my transaction history. Request made by the consumer via telephone and CFPB has been denied due to claims that permission was granted from such companies of which the consumer is an active or former member. Examples of financial institutions EARLY WARNING SERVICES, XXXX, XXXX, and XXXX claim the information gathered prior to my request for the Consumer Disclosure Report, may be but not limited to, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX, All of which I am a current member of their services. All current and former affiliates who may have given information without my permission such as but not limited to, the reporting of my transaction history, do not have my permission which are all violations and request immediate change of status to removal or paid as agreed. In Terms and Agreements attached of the institutions of which I am a current member, 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Consumer : No adverse item besides the conviction of crimes should be on my report and any item that is a derogatory mark is not allowed into consumer reports. In the event that EARLY WARNING SERVICES, XXXX, XXXX, and XXXX continues to attempt to justify keeping transaction history in cases where they believe were granted permission ( which they do not ) from any entity with my nonpublic personal information, all the disputes I request to be removed are considered derogatory marks, inquiries and non-mailable addresses which have and may have resulted to negatively effect my credit score. 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Consumer : By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports, EARLY WARNING SERVICES, XXXX, XXXX, and XXXX are also violating compliance procedures under this title. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than { {$100.00} } and not more than { {$1000.00} } ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater ; Consumer : I have filed more than 1 complaint, in fact multiple complaints against numerous agencies with the CFPB which either remain in dispute pending a response or continued refusal to remove reports in which have already been put on record with the CFPB with the necessary evidence to prove disputes in claim. This is a violation of willfull noncompliance understanding of the violations after my complaints were made the 1st time. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law. 15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure Consumer : if the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures. They are still liable for correcting these violations which have been made clear in this complaint if in fact their actions or lack thereof was due negligence. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Consumer : I have notified the consumer agencies that there is inaccurate information. They must immediately stop reporting that information until they can prove that it is valid which continues to be denied. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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. ( 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. ( 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 institutions 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. ( 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. ( 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. 5 U.S. Code 552a - Records maintained on individuals ( n ) Mailing Lists. An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to require the withholding of names and addresses otherwise permitted to be made public. Consumer : All inquiries on my report using my name and address given to nonaffiliated 3rd party entities that may have been sold for marketing and/or promotional purposes was done so without my permission which is a violation. If inquiries not from an open account on credit report they must REMOVE inquiry. If continued refusal to remove all inquiries from my report, all agencies must send documentation that was used to verify I have an open account with any and all agencies in question. EARLY WARNING SERVICES told me I couldnt opt out because they are a ( x ) Nationwide Specialty Consumer Reporting Agency.The term nationwide specialty consumer reporting agency means a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis relating to ( 1 ) medical records or payments ; ( 2 ) residential or tenant history ; ( 3 ) check writing history ; ( 4 ) employment history ; or ( 5 ) insurance claims. \nBut EARLY WARNING SERVICES has distorted the facts a nationwide special consumer reporting agency is a ( p ) Consumer Reporting Agency That Compiles and Maintains Files on Consumers on a Nationwide Basis.The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ( 1 ) Public record information.\n\n( 2 ) Credit account information from persons who furnish that information regularly and in the ordinary course of business.\n\n12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.\n\n( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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. ( b ) Opt out ( 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. Consumer : Early Warning Services has denied my requests to opt out of the disputes in my Consumer Disclosure Report. 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law Consumer : Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal per 15 USC 6802. Any information that wishes to be added to my report will not be permitted without my notification, consent and approval. Any and all private information will be presented to me prior to my decision to approve or deny any and all to be added to my report.","date_sent_to_company":"2024-04-04T21:53:27.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"75069","tags":null,"has_narrative":true,"complaint_id":"8686521","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2024-04-04T21:24:17.000Z","state":"TX","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Discrimination : EARLY <em>WARNING</em> SERVICES, XXXX, XXXX and XXXX, has had no regards to the confidentiality, accuracy, relevancy, and proper utilization of such <em>information</em> in accordance with the requirements of the Fair Credit <em>Reporting</em> Act. EARLY <em>WARNING</em> SERVICES, XXXX, XXXX, and XXXX has never provided their method and/or proof of verification that gives them the authority to <em>report</em> inaccurate, non-public, <em>personal</em> <em>information</em> on my consumer <em>report</em>."],"product":["Credit <em>reporting</em> or other <em>personal</em> consumer reports"],"company":["Early <em>Warning</em> Services, LLC"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["Their investigation did not fix an error on your <em>report</em>"]},"sort":[15.126886,"8686521"]},{"_index":"complaint-public-v1","_id":"8903295","_score":14.847437,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dated : XX/XX/XXXX Company : Early Warning Services , LLC Attn : Consumer Services Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX CONSUMER ID : XXXX To Whom It May Concern, I am writing to request an investigation on behalf on Early Warning Services , LLC, being the consumer reporting agency involved in sharing my personal information without my explicit written consent. According to the report I received, it is reporting transaction history from XXXX  XXXX transactions, to be exact. Per the Fair Credit Reporting Act as a federally protected consumer, it is illegal to report transaction history. Not only did Early Warning Services , LLC violate me by reporting personal and private information, XXXX XXXX did as well ; as their privacy statement explicitly states they will not share my personal private information with third party affiliates and non-affiliates. I would like to request proof as to where XXXXXXXX XXXX  ever gave permission to report my personal private information to Early Warning Services , LLC since they stated in their own agreements they do not share this information. \nPer the Fair Credit Reporting Act, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer may have given you written, unwritten, verbally, or nonverbally Per 15 USC 6802. \nAttached with this letter is proof of claim that I have been violated by reporting transaction history, an opt-out notice ; effective immediately, XXXX XXXX  privacy policy and applicable laws pertaining to the Fair Credit Reporting Act and the Privacy Act of XXXX. This letter and reports will also be sent to the CFPB. \n\nSee below for applicable laws pertaining to the furnishing of information and violations. \nFair Credit Reporting Act 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.\n\n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. \nImportant Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. \nThe term consumer means an individual. \nThe term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. \nThey need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.\n\nNo adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures.\n\n15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \n( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. \nOnce you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid. \nPrivacy Act of XXXX ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.\n\nAgain they need prior written instruction of the individual to whom it relates.\n\nSection 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of XXXX ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; Timely attention to this matter is greatly appreciated. Thank you.","date_sent_to_company":"2024-05-01T22:09:07.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"650XX","tags":null,"has_narrative":true,"complaint_id":"8903295","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2024-05-01T21:50:00.000Z","state":"MO","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Per the Fair Credit <em>Reporting</em> Act as a federally protected consumer, it is <em>illegal</em> to <em>report</em> <em>transaction</em> history. Not only did Early <em>Warning</em> Services , LLC violate me by <em>reporting</em> <em>personal</em> and private <em>information</em>, XXXX XXXX did as well ; as their privacy statement explicitly states they will not share my <em>personal</em> private <em>information</em> with third party affiliates and non-affiliates."],"product":["Credit <em>reporting</em> or other <em>personal</em> consumer reports"],"issue":["Improper use of your <em>report</em>"],"company":["Early <em>Warning</em> Services, LLC"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.847437,"8903295"]},{"_index":"complaint-public-v1","_id":"8671245","_score":14.2696295,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Early Warning, XXXX  XXXX XXXX and XXXX XXXX are currently in violation and are subject to {$1000.00} per violation. Per the FCRA and as a federally protected consumer, I am now opting out of ANY and ALL authorization I the consumer may have given you, be that written, unwritten, verbal and nonverbal. I am also opting out of any and all authorization to give my information to a third party pursuant to 15 U.S. Code 6802. This is effective immediately and indefinitely. \nXXXX  XXXX XXXX and XXXX XXXX are in direct violation of 15 U.S. Code 6802 ( b ) and 15 U.S. Code 1681e because they shared private information without my knowledge or consent. XXXX  XXXX XXXX and XXXX XXXX are also in clear and direct violation of 12CFR1016.4 ( a ) because they gave me absolutely no notice or option to opt out at any time. XXXX  XXXX XXXX and XXXX XXXX are also in violation of section 5 U.S.C. 552a ( b ) of The Privacy Act of 1974. Outlined below are numerous other consumer laws that Early Warnings, XXXX  XXXX XXXX and XXXX XXXX are in violation of. \nREPORTING TRANSACTION HISTORY IS ILLEGAL. \nPer 15 U.S. Code 6801 It is the policy of the Congress that each financial institution XXXX XXXX  XXXX XXXX and XXXX XXXX ) has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \nSo I, have the right to ensure that my private information is NOT SHARED and because Early Warnings, XXXX  XXXX XXXX and XXXX XXXX are sharing financial information in my name, they are in direct violation of this law. \nCongress also states in subsection ( 3 ) of 15 U.S. Code 6801 that these institutions must : protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. \n\nEarly Warnings, XXXX  XXXX XXXX and XXXX XXXX are in absolute violation of this law because they have caused me extreme harm and many inconveniences by unlawfully sharing derogatory information in my name with third parties without my knowledge and/or consent! \n\n15 U.S. Code 6802 ( a ) states as follows : ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution ( XXXX  XXXX XXXX and XXXX XXXX ) 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\n15 U.S. Code 6802 ( b ) states as follows : ( 1 ) IN GENERAL A financial institution ( XXXX  XXXX XXXX and XXXX XXXX ) 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\n15 U.S. Code 6802 ( e ) states : Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information with the consent or at the direction of the consumer { as stated in 15 U.S. Code 6802 ( e ) ( 2 ) } 15 U.S. Code 1681s2 ( 1 ) ( A ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.\n\nI have already clearly and concisely proven to Early Warnings that the information that they are displaying on my credit report is in fact inaccurate and they failed to comply with FCRA laws. So, again, at this time, I am choosing to exercise my right to opt out!\n\n15 U.S. Code 1681e states : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.\n\nAs CLEARLY written on the CFPB website, 12CFR1016.4 ( a ) states that there is an : Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 1016.14 and 1016.15 of this part. \nThis is a clear violation against myself, the consumer because Early Warning failed to provide me with ANY notice reflecting their policies OR giving me the opportunity to opt out prior to sharing and disclosing my personal and private information with third parties. \n\nThe CFPB website also clearly states in section 12CFR1016.7 ( a ) ( 1 ) ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure ; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. \nEarly Warnings, XXXX XXXX, and XXXX  XXXX XXXX have at no time ever disclosed to me, the consumer, that they were disclosing my personal information to nonaffiliated third parties, so this is yet another violation. \n\nIn addition, Early Warnings, XXXX  XXXX XXXX, and XXXX XXXX are in direct violation of section 5 U.S.C. 552a ( b ) of The Privacy Act of 1974 which states as follows : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. \n\nEarly Warnings, XXXX  XXXX XXXX and XXXX XXXX are also in direct violation of 16 CFR Part 313 PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION 16 CFR 313.7 ( a ) ( ii ) states that the consumer has the right to opt out of that disclosure.\n\n16 CFR 313.7 also states in the following subsections : ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.\n\n( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.\n\n( g ) Duration of consumer 's opt out direction.\n\n( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.\n\n( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship.\n\n16 CFR 313.8 ( a ) states : Except as otherwise authorized in this part, you must not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party other than as described in the initial notice that you provided to that consumer under 313.4, unless : ( XXXX ) You have provided to the consumer a clear and conspicuous revised notice that accurately describes your policies and practices ; ( XXXX ) You have provided to the consumer a new opt out notice ; ( XXXX ) You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure; and ( XXXX ) the consumer does not opt out. \n\n\n\nEarly Warnings, XXXX XXXX and XXXX  XXXX XXXX are also in direct violation of 16 CFR 313.9 ( a ) which clearly states : You must provide any privacy notices and opt out notices, including short-form initial notices, that this part requires so that each consumer can reasonably be expected to receive actual notice in writing or, if the consumer agrees, electronically. \nXXXX CFR 313.10 ( b ) ( 1 ) states that : you must comply with this section, regardless of whether you and the consumer have established a customer relationship ( 2 ) Unless you comply with this section, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer that you have collected, regardless of whether you collected it before or after receiving the direction to opt out from the consumer. \n15 U.S. Code 1681c clearly outlines the requirements relating to information contained in consumer reports. 1681c ( a ) states this : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Subsection ( 5 ) states that : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. \nYet another violation, because Early Warnings, XXXX  XXXX XXXX and XXXX XXXX are reporting adverse items, and it is being reported without my permission. \n\nLastly, these laws must be enforced by the Consumer Financial Protection Bureau as stated in : 15 U.S. Code 6805 ( a ) Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.","date_sent_to_company":"2024-04-01T22:10:50.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90044","tags":null,"has_narrative":true,"complaint_id":"8671245","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2024-04-01T20:49:44.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>REPORTING</em> <em>TRANSACTION</em> HISTORY IS <em>ILLEGAL</em>. \nPer 15 U.S. Code 6801 It is the policy of the Congress that each financial institution XXXX XXXX  XXXX XXXX and XXXX XXXX ) has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic <em>personal</em> <em>information</em>."],"product":["Credit <em>reporting</em> or other <em>personal</em> consumer reports"],"issue":["Improper use of your <em>report</em>"],"company":["Early <em>Warning</em> Services, LLC"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[14.2696295,"8671245"]},{"_index":"complaint-public-v1","_id":"8277092","_score":13.528722,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon receiving my Consumer Disclosure report from XXXX XXXX XXXX 3rd Party Reporting Agency ), discoveries relating to the information provided from said party ( Early Warning ) has reveled a plethora of violations committed by multiple 3rd party affiliate, non-affiliates or any and every entity which may be recognized in addition through further investigation from past, present and future furnishing of my nonpublic private information. These are issues I wish to address due to all parties who may have breached the of terms and agreements leading to have adversely effected my rights under the Fair Credit Billing Act. The sharing of my personal information was done so without my written consent. From disclosure of numerous non-public personal information including but not limited to discrepancies, errors, inaccuracies, derogatory marks, all of which etc. The information disclosed to 3rd parties has negatively affected approval and access to credit from certain documents which prove to be valid in detail with this letter. 15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Consumer : There is a need to protect my privacy which every company may be in violation of which the terms, conditions and privacy policy are attached with this dispute. Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates Consumer : They need my written consent to add anything to my consumer report. Since I did not authorize this, it is a violation of the Fair Credit Reporting Act. 82 Stat. 146 - An Act to safeguard the consumer in connection with the utilization of credit by requiring full disclosure of the terms and conditions of finance charges in credit transactions or in offers to extend credit ; by restricting the garnishment of wages ; and by creating the National Commission on Consumer Finance to study and make recommendations on the need for further regulation of the consumer finance industry ; and for other purposes Consumer : This is law that backs the code and is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) Consumer : Reporting Transaction history is illegal. Early Warning Services is in violation of reporting my transaction history. Request made by the consumer via telephone has been denied due to claims that permission was granted from such companies of which the consumer is an active or former member. Examples of financial institutions Early Warning Services claim the information gathered prior to my request for the Consumer Disclosure Report, may be but not limited to, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas. and XXXX XXXX. All of which I am a current member of their services. All current and former affiliates who may have given information without my permission such as but not limited to, the reporting of my transaction history, do not have my permission which are all violations and request immediate change of status to removal or paid as agreed. In Terms and Agreements attached of the institutions of which I am a current member, 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Consumer : No adverse item besides the conviction of crimes should be on my report and any item that is a derogatory mark is not allowed into consumer reports. In the event that Early Warning continues to attempt to justify keeping transaction history in cases where they believe were granted permission ( which they do not ) from any entity with my nonpublic personal information, all the disputes I request to be removed are considered derogatory marks which have and may have resulted to negatively effect my credit score. 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Consumer : By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports, Early Warning Services are also violating compliance procedures under this title. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than { {$100.00} } and not more than { {$1000.00} } ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater ; Consumer : I have filed more than 1 complaint, in fact multiple complaints against numerous agencies with the CFPB which either remain in dispute pending a response or continued refusal to remove reports in which have already been put on record with the CFPB with the necessary evidence to prove disputes in claim. This is a violation of willfull noncompliance understanding of the violations after my complaints were made the 1st time. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law. 15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure Consumer : if the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures. They are still liable for correcting these violations which have been made clear in this complaint if in fact their actions or lack thereof was due negligence. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Consumer : I have notified the consumer agencies that there is inaccurate information. They must immediately stop reporting that information until they can prove that it is valid which continues to be denied. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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. ( 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. ( 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 institutions 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. ( 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. ( 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. 5 U.S. Code 552a - Records maintained on individuals ( n ) Mailing Lists. An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to require the withholding of names and addresses otherwise permitted to be made public. Consumer : All inquiries on my report using my name and address given to nonaffiliated 3rd party entities that may have been sold for marketing and/or promotional purposes was done so without my permission which is a violation. If inquiries not from an open account on credit report they must remove inquiry. If continued refusal to remove all inquiries from my report, all agencies must send documentation that was used to verify I have an open account with any and all agencies in question. 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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. ( b ) Opt out ( 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. Consumer : Early Warning Services has denied my requests to opt out of the disputes in my Consumer Disclosure Report. 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law Consumer : Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal per 15 USC 6802. Any information that wishes to be added to my report will not be permitted without my notification, consent and approval. Any and all private information will be presented to me prior to my decision to approve or deny any and all to be added to my report.","date_sent_to_company":"2024-02-03T20:38:20.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"75069","tags":null,"has_narrative":true,"complaint_id":"8277092","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2024-02-03T20:21:20.000Z","state":"TX","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["In the event that Early <em>Warning</em> continues to attempt to justify keeping <em>transaction</em> history in cases where they believe were granted permission ( which they do not ) from any entity with my nonpublic <em>personal</em> <em>information</em>, all the disputes I request to be removed are considered derogatory marks which have and may have resulted to negatively effect my credit score. 15 U.S."],"product":["Credit <em>reporting</em> or other <em>personal</em> consumer reports"],"issue":["Improper use of your <em>report</em>"],"company":["Early <em>Warning</em> Services, LLC"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[13.528722,"8277092"]},{"_index":"complaint-public-v1","_id":"8055156","_score":13.083316,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon receiving my Consumer Disclosure report from XXXX XXXX XXXX ( 3rd Party Reporting Agency ), discoveries relating to the information provided from said party ( Early Warning ) has reveled a plethora of violations committed by multiple 3rd party affiliate, non-affiliates or any and every entity which may be recognized in addition through further investigation from past, present and future furnishing of my nonpublic private information. \n\nThese are issues I wish to address due to all parties who may have breached the of terms and agreements leading to have adversely effected my rights under the Fair Credit Billing Act. The sharing of my personal information was done so without my written consent. From disclosure of numerous non-public personal information including but not limited to discrepancies, errors, inaccuracies, derogatory marks, all of which etc. The information disclosed to 3rd parties has negatively affected approval and access to credit from certain documents which prove to be valid in detail with this letter. \n\n15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. \nConsumer : There is a need to protect my privacy which every company may be in violation of which the terms, conditions and privacy policy are attached with this dispute.\n\nImportant Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. \nThe term consumer means an individual. \nThe term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates Consumer : They need my written consent to add anything to my consumer report. Since I did not authorize this, it is a violation of the Fair Credit Reporting Act. \n82 Stat. 146 - An Act to safeguard the consumer in connection with the utilization of credit by requiring full disclosure of the terms and conditions of finance charges in credit transactions or in offers to extend credit ; by restricting the garnishment of wages ; and by creating the XXXX XXXX XXXX XXXX XXXX to study and make recommendations on the need for further regulation of the consumer finance industry ; and for other purposes Consumer : This is law that backs the code and is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) Consumer : Reporting Transaction history is illegal. Early Warning Services is in violation of reporting my transaction history. Request made by the consumer via telephone has been denied due to claims that permission was granted from such companies of which the consumer is an active or former member. Examples of financial institutions Early Warning Services claim the information gathered prior to my request for the Consumer Disclosure Report, may be but not limited to, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. and XXXX XXXX. All of which I am a current member of their services. All current and former affiliates who may have given information without my permission such as but not limited to, the reporting of my transaction history, do not have my permission which are all violations and request immediate change of status to removal or paid as agreed. In Terms and Agreements attached of the institutions of which I am a current member, 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. \nConsumer : No adverse item besides the conviction of crimes should be on my report and any item that is a derogatory mark is not allowed into consumer reports. In the event that Early Warning continues to attempt to justify keeping transaction history in cases where they believe were granted permission ( which they do not ) from any entity with my nonpublic personal information, all the disputes I request to be removed are considered derogatory marks which have and may have resulted to negatively effect my credit score. \n15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. \n( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. \nConsumer : By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports, XXXX XXXX XXXX are also violating compliance procedures under this title. \n15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Consumer : I have filed more than 1 complaint, in fact multiple complaints against numerous agencies with the CFPB which either remain in dispute pending a response or continued refusal to remove reports in which have already been put on record with the CFPB with the necessary evidence to prove disputes in claim. This is a violation of willfull noncompliance understanding of the violations after my complaints were made the 1st time. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law. \n15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure Consumer : if the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures. They are still liable for correcting these violations which have been made clear in this complaint if in fact their actions or lack thereof was due negligence. \n\n15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \n( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. \nConsumer : I have notified the consumer agencies that there is inaccurate information. They must immediately stop reporting that information until they can prove that it is valid which continues to be denied. \n15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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( 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\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 institutions 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\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.\n\n5 U.S. Code 552a - Records maintained on individuals ( n ) Mailing Lists.\n\nAn individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to require the withholding of names and addresses otherwise permitted to be made public.\n\nConsumer : All inquiries on my report using my name and address given to nonaffiliated 3rd party entities that may have been sold for marketing and/or promotional purposes was done so without my permission which is a violation. If inquiries not from an open account on credit report they must remove inquiry. If continued refusal to remove all inquiries from my report, all agencies must send documentation that was used to verify I have an open account with any and all agencies in question.\n\n12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.\n\n15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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 ( 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\nConsumer : Early Warning Services has denied my requests to opt out of the disputes in my Consumer Disclosure Report.\n\n15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the XXXX XXXX XXXX XXXX XXXX, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law Consumer : Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal per 15 USC 6802. Any information that wishes to be added to my report will not be permitted without my notification, consent and approval. Any and all private information will be presented to me prior to my decision to approve or deny any and all to be added to my report.","date_sent_to_company":"2023-12-26T02:30:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94134","tags":null,"has_narrative":true,"complaint_id":"8055156","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-12-26T02:30:18.000Z","state":"CA","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":["Early <em>Warning</em> Services is in violation of <em>reporting</em> my <em>transaction</em> history. Request made by the consumer via telephone has been denied due to claims that permission was granted from such companies of which the consumer is an active or former member. Examples of financial institutions Early <em>Warning</em> Services claim the <em>information</em> gathered prior to my request for the Consumer Disclosure <em>Report</em>, may be but not limited to, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. and XXXX XXXX."],"product":["Credit <em>reporting</em> or other <em>personal</em> consumer reports"],"issue":["Improper use of your <em>report</em>"],"company":["Experian <em>Information</em> Solutions Inc."],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[13.083316,"8055156"]},{"_index":"complaint-public-v1","_id":"8671230","_score":12.55377,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Early Warning, Bank of America and XXXX XXXX are currently in violation and are subject to {$1000.00} per violation. Per the FCRA and as a federally protected consumer, I am now opting out of ANY and ALL authorization I the consumer may have given you, be that written, unwritten, verbal and nonverbal. I am also opting out of any and all authorization to give my information to a third party pursuant to 15 U.S. Code 6802. This is effective immediately and indefinitely. \nBank of America and XXXX XXXX are in direct violation of 15 U.S. Code 6802 ( b ) and 15 U.S. Code 1681e because they shared private information without my knowledge or consent. Bank of America and XXXX XXXX are also in clear and direct violation of 12CFR1016.4 ( a ) because they gave me absolutely no notice or option to opt out at any time. Bank of America and XXXX XXXX are also in violation of section 5 U.S.C. 552a ( b ) of The Privacy Act of 1974. Outlined below are numerous other consumer laws that XXXX XXXX, Bank of America and XXXX XXXX are in violation of.\n\nREPORTING TRANSACTION HISTORY IS ILLEGAL.\n\nPer 15 U.S. Code 6801 It is the policy of the Congress that each financial institution ( Bank of America and XXXX XXXX ) has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \nSo I, have the right to ensure that my private information is NOT SHARED and because Early Warnings, Bank of America and XXXX XXXX are sharing financial information in my name, they are in direct violation of this law.\n\nCongress also states in subsection ( 3 ) of 15 U.S. Code 6801 that these institutions must : protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. \n\nXXXX XXXX, Bank of America and XXXX XXXX are in absolute violation of this law because they have caused me extreme harm and many inconveniences by unlawfully sharing derogatory information in my name with third parties without my knowledge and/or consent!\n\n15 U.S. Code 6802 ( a ) states as follows : ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution ( Bank of America and XXXX XXXX ) 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\n15 U.S. Code 6802 ( b ) states as follows : ( 1 ) IN GENERAL A financial institution ( Bank of America and XXXX XXXX ) 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\n15 U.S. Code 6802 ( e ) states : Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information with the consent or at the direction of the consumer { as stated in 15 U.S. Code 6802 ( e ) ( 2 ) } 15 U.S. Code 1681s2 ( 1 ) ( A ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \n\nI have already clearly and concisely proven to XXXX XXXX that the information that they are displaying on my credit report is in fact inaccurate and they failed to comply with FCRA laws. So, again, at this time, I am choosing to exercise my right to opt out!\n\n15 U.S. Code 1681e states : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.\n\nAs CLEARLY written on the CFPB website, 12CFR1016.4 ( a ) states that there is an : Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 1016.14 and 1016.15 of this part.\n\nThis is a clear violation against myself, the consumer because Early Warning failed to provide me with ANY notice reflecting their policies OR giving me the opportunity to opt out prior to sharing and disclosing my personal and private information with third parties.\n\nThe CFPB website also clearly states in section 12CFR1016.7 ( a ) ( 1 ) ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure ; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. \nXXXX XXXX, XXXX XXXX, and Bank of America have at no time ever disclosed to me, the consumer, that they were disclosing my personal information to nonaffiliated third parties, so this is yet another violation. \n\nIn addition, Early Warnings, Bank of America, and XXXX XXXX are in direct violation of section 5 U.S.C. 552a ( b ) of The Privacy Act of 1974 which states as follows : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.\n\nEarly Warnings, Bank of America and XXXX XXXX are also in direct violation of 16 CFR Part 313 PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION 16 CFR 313.7 ( a ) ( ii ) states that the consumer has the right to opt out of that disclosure.\n\n16 CFR 313.7 also states in the following subsections : ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.\n\n( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.\n\n( g ) Duration of consumer 's opt out direction.\n\n( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.\n\n( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship.\n\n16 CFR 313.8 ( a ) states : Except as otherwise authorized in this part, you must not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party other than as described in the initial notice that you provided to that consumer under 313.4, unless : ( 1 ) You have provided to the consumer a clear and conspicuous revised notice that accurately describes your policies and practices ; ( 2 ) You have provided to the consumer a new opt out notice ; ( 3 ) You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure; and ( 4 ) the consumer does not opt out. \n\n\n\nEarly Warnings, XXXX XXXX and Bank of America are also in direct violation of 16 CFR 313.9 ( a ) which clearly states : You must provide any privacy notices and opt out notices, including short-form initial notices, that this part requires so that each consumer can reasonably be expected to receive actual notice in writing or, if the consumer agrees, electronically.\n\n16 CFR 313.10 ( b ) ( 1 ) states that : you must comply with this section, regardless of whether you and the consumer have established a customer relationship ( 2 ) Unless you comply with this section, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer that you have collected, regardless of whether you collected it before or after receiving the direction to opt out from the consumer.\n\n15 U.S. Code 1681c clearly outlines the requirements relating to information contained in consumer reports. 1681c ( a ) states this : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Subsection ( 5 ) states that : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. \nYet another violation, because XXXX XXXX, Bank of America and XXXX XXXX are reporting adverse items, and it is being reported without my permission. \n\nLastly, these laws must be enforced by the Consumer Financial Protection Bureau as stated in : 15 U.S. Code 6805 ( a ) Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.","date_sent_to_company":"2024-04-01T22:10:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90044","tags":null,"has_narrative":true,"complaint_id":"8671230","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-04-01T22:10:56.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>REPORTING</em> <em>TRANSACTION</em> HISTORY IS <em>ILLEGAL</em>.\n\nPer 15 U.S. Code 6801 It is the policy of the Congress that each financial institution ( Bank of America and XXXX XXXX ) has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic <em>personal</em> <em>information</em>."],"product":["Credit <em>reporting</em> or other <em>personal</em> consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[12.55377,"8671230"]},{"_index":"complaint-public-v1","_id":"8671300","_score":12.040889,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Early Warning, XXXX  XXXX XXXX and Wells Fargo are currently in violation and are subject to {$1000.00} per violation. Per the FCRA and as a federally protected consumer, I am now opting out of ANY and ALL authorization I the consumer may have given you, be that written, unwritten, verbal and nonverbal. I am also opting out of any and all authorization to give my information to a third party pursuant to 15 U.S. Code 6802. This is effective immediately and indefinitely. \nXXXX  XXXX XXXX and Wells Fargo are in direct violation of 15 U.S. Code 6802 ( b ) and 15 U.S. Code 1681e because they shared private information without my knowledge or consent. XXXX  XXXX XXXX and Wells Fargo are also in clear and direct violation of 12CFR1016.4 ( a ) because they gave me absolutely no notice or option to opt out at any time. XXXX  XXXX XXXX and Wells Fargo are also in violation of section 5 U.S.C. 552a ( b ) of The Privacy Act of 1974. Outlined below are numerous other consumer laws that XXXX XXXX, XXXX  XXXX XXXX and Wells Fargo are in violation of. \nREPORTING TRANSACTION HISTORY IS ILLEGAL.\n\nPer 15 U.S. Code 6801 It is the policy of the Congress that each financial institution ( XXXX  XXXX XXXX and Wells Fargo ) has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. \nSo I, have the right to ensure that my private information is NOT SHARED and because XXXX XXXX, XXXX  XXXX XXXX and Wells Fargo are sharing financial information in my name, they are in direct violation of this law.\n\nCongress also states in subsection ( 3 ) of 15 U.S. Code 6801 that these institutions must : protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. \n\nXXXX XXXX, XXXX  XXXX XXXX and Wells Fargo are in absolute violation of this law because they have caused me extreme harm and many inconveniences by unlawfully sharing derogatory information in my name with third parties without my knowledge and/or consent!\n\n15 U.S. Code 6802 ( a ) states as follows : ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution XXXX XXXX XXXX XXXX and Wells Fargo ) 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\n15 U.S. Code 6802 ( b ) states as follows : ( 1 ) IN GENERAL A financial institution ( XXXX  XXXX XXXX and Wells Fargo ) 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\n15 U.S. Code 6802 ( e ) states : Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information with the consent or at the direction of the consumer { as stated in 15 U.S. Code 6802 ( e ) ( 2 ) } 15 U.S. Code 1681s2 ( 1 ) ( A ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \n\nI have already clearly and concisely proven to XXXX XXXX that the information that they are displaying on my credit report is in fact inaccurate and they failed to comply with FCRA laws. So, again, at this time, I am choosing to exercise my right to opt out!\n\n15 U.S. Code 1681e states : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.\n\nAs CLEARLY written on the CFPB website, 12CFR1016.4 ( a ) states that there is an : Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 1016.14 and 1016.15 of this part.\n\nThis is a clear violation against myself, the consumer because Early Warning failed to provide me with ANY notice reflecting their policies OR giving me the opportunity to opt out prior to sharing and disclosing my personal and private information with third parties.\n\nThe CFPB website also clearly states in section 12CFR1016.7 ( a ) ( 1 ) ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure ; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. \nXXXX XXXX, Wells Fargo, and Bank XXXX XXXX have at no time ever disclosed to me, the consumer, that they were disclosing my personal information to nonaffiliated third parties, so this is yet another violation. \n\nIn addition, Early Warnings, XXXX  XXXX XXXX, and Wells Fargo are in direct violation of section 5 U.S.C. 552a ( b ) of The Privacy Act of 1974 which states as follows : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. \n\nEarly Warnings, XXXX  XXXX XXXX and Wells Fargo are also in direct violation of 16 CFR Part 313 PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION 16 CFR 313.7 ( a ) ( ii ) states that the consumer has the right to opt out of that disclosure.\n\n16 CFR 313.7 also states in the following subsections : ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.\n\n( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.\n\n( g ) Duration of consumer 's opt out direction.\n\n( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.\n\n( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship.\n\n16 CFR 313.8 ( a ) states : Except as otherwise authorized in this part, you must not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party other than as described in the initial notice that you provided to that consumer under 313.4, unless : ( 1 ) You have provided to the consumer a clear and conspicuous revised notice that accurately describes your policies and practices ; ( 2 ) You have provided to the consumer a new opt out notice ; ( 3 ) You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure; and ( 4 ) the consumer does not opt out. \n\n\n\nEarly Warnings, Wells Fargo and XXXX  XXXX XXXX are also in direct violation of 16 CFR 313.9 ( a ) which clearly states : You must provide any privacy notices and opt out notices, including short-form initial notices, that this part requires so that each consumer can reasonably be expected to receive actual notice in writing or, if the consumer agrees, electronically.\n\n16 CFR 313.10 ( b ) ( 1 ) states that : you must comply with this section, regardless of whether you and the consumer have established a customer relationship ( 2 ) Unless you comply with this section, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer that you have collected, regardless of whether you collected it before or after receiving the direction to opt out from the consumer.\n\n15 U.S. Code 1681c clearly outlines the requirements relating to information contained in consumer reports. 1681c ( a ) states this : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Subsection ( 5 ) states that : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.\n\nYet another violation, because XXXX XXXX, XXXX XXXX XXXX and Wells Fargo are reporting adverse items, and it is being reported without my permission.\n\nLastly, these laws must be enforced by the Consumer Financial Protection Bureau as stated in : 15 U.S. Code 6805 ( a ) Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.","date_sent_to_company":"2024-04-01T22:10:58.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"90044","tags":null,"has_narrative":true,"complaint_id":"8671300","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2024-04-01T22:10:56.000Z","state":"CA","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":["<em>REPORTING</em> <em>TRANSACTION</em> HISTORY IS <em>ILLEGAL</em>.\n\nPer 15 U.S. Code 6801 It is the policy of the Congress that each financial institution ( XXXX  XXXX XXXX and Wells Fargo ) has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic <em>personal</em> <em>information</em>."],"product":["Credit <em>reporting</em> or other <em>personal</em> consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[12.040889,"8671300"]},{"_index":"complaint-public-v1","_id":"11688576","_score":11.942125,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Subject : Formal Complaint Against Crypto.com for Failure to Disclose Transaction Limitations and Unfair Practices Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Crypto.com, internal reference number XXXX, regarding their handling of my cryptocurrency transactions, which have resulted in significant financial harm. This issue involves their failure to disclose critical limitations on the use of standard features of XXXX ( XXXX ), XXXX of the top XXXX cryptocurrencies. Their actions represent a breach of fiduciary responsibility to their users. \nSummary of Issue : On XX/XX/XXXX, I attempted to deposit XXXX Litecoin ( LTC ) into my Crypto.com account using a MimbleWimble transaction, a privacy feature native to XXXX since XXXX. XXXX is akin to setting a PIN code to keep your wallet private. Despite being a well-established and widely known protocol, Crypto.com failed to warn meor any of their usersthat using this basic privacy feature would lead to funds being withheld. \nCrypto.com has acknowledged ownership of the funds but refuses to return them unless I pay an additional {$100.00} fee. They initially suggested sending the funds to a destination where they would be permanently lost. At no point prior to or during the transaction did Crypto.com provide clear disclosures about the incompatibility of XXXX transactions or any potential risks to users. \nOn XX/XX/XXXX, I withdrew XXXX XXXX from my account, demonstrating my routine use of the platform for legitimate transactions. This further establishes that my account history has been normal and responsible, making Crypto.coms current actions inexplicable and harmful. \nDetails of the Incident : Transaction Date : XX/XX/XXXX Transaction Type : MimbleWimble ( Privacy Protocol ) Amount : XXXX LTC Key Issues : XXXX. Lack of clear and visible warnings about unsupported transaction types.\n\n2. Unjustified withholding of user funds without proper notice or explanation.\n\n3. Imposition of an additional {$100.00} fee to return funds despite Crypto.coms acknowledgment of ownership.\n\nLaymans Terms Analogy : To put this into perspective, imagine using a PIN to keep your wallet private. After choosing this added security feature to protect your personal finances, you find that your bank refuses to release your money, claiming you violated undisclosed terms. This is essentially what Crypto.com has done with XXXX XXXX feature : they have penalized me for using a standard, native option designed to keep my wallet and transactions private. \nBreach of Fiduciary Responsibility : As a leading cryptocurrency custodian, Crypto.com has a responsibility to disclose material limitations on the transactions they process. XXXX XXXX feature is not an obscure or experimental feature ; it is a fundamental protocol enhancement introduced in XXXX to improve privacy and security. By failing to warn users about the incompatibility of this feature with their platform, Crypto.com has : 1. Neglected their duty to act transparently and in good faith.\n\n2. Put users like me in a position where significant financial harm could occur without our knowledge.\n\n3. Created a system where they unjustly profit from fees imposed on users attempting to recover their own funds.\n\nCompliance and Money Laundering Prevention Claims : Crypto.com contends that my use of the MimbleWimble transaction protocol violates their anti-money laundering ( AML ) policies. However, this argument is flawed : No Prior Disclosure : Crypto.com provided no warnings or disclosures about the incompatibility of XXXX transactions with their platform or policies. \nLegitimacy of XXXX : XXXX is a built-in privacy feature of XXXX, XXXX to encryption. It does not inherently make transactions illegal or suspicious ; it enhances privacy, which is a common and accepted practice in cryptocurrency. \nXXXX Transparency : XXXX compliance involves reporting suspicious activity, not unjustly withholding or penalizing legitimate transactions. \nUnreasonable Fees : The {$100.00} fee demanded to return my funds is excessive and disproportionate. \nRelevant Regulatory Guidelines and Legal Actions : Recent regulatory actions and proposals highlight the need for transparency and consumer protection in digital and cryptocurrency transactions : CFPB 's Expansion into Digital Payments : The CFPB has moved to regulate digital wallets and payment apps, indicating that similar consumer protections should apply to cryptocurrency transactions. This includes ensuring that users are informed about transaction limitations or risks associated with certain features.\n\nSEC and CFTC Enforcement : Both agencies have taken numerous actions against cryptocurrency platforms for fraud and manipulation, emphasizing the importance of clear and fair practices. These precedents suggest that platforms like Crypto.com should provide explicit information on transaction protocols to avoid consumer harm. \nCFPB Proposed Rules : In XXXX, the CFPB proposed rules to oversee larger nonbank digital payment providers, which could extend to Crypto.com, mandating transparency in how transactions are handled.\n\nLegal Challenges : The case of XXXX and XXXX vs. CFPB, where tech groups challenge the CFPB 's regulatory overreach, underscores the ongoing debate about how digital payment platforms, including those dealing with cryptocurrencies, should be regulated for consumer protection. \nDOJ and SEC Actions : These agencies have charged crypto companies for various violations, setting a precedent for holding platforms accountable for not adhering to established financial practices, including transparency and consumer rights. \nThese actions and guidelines demonstrate a regulatory trend towards ensuring that digital and cryptocurrency platforms operate with the same level of transparency and consumer protection as traditional financial institutions. \nImpact : This incident reflects a systemic failure on Crypto.coms part to uphold transparency and user protection. Their lack of clear disclosures not only caused me unnecessary stress and financial loss but also undermines trust in their platform and cryptocurrency custodians as a whole. This is a broader issue that could potentially harm countless other users unless addressed.\n\nPersonal Statement : As a responsible consumer, I have trusted Crypto.com to manage my digital assets with transparency and integrity. This experience has caused significant stress and financial uncertainty. I believe many other users face similar risks due to Crypto.coms inadequate disclosures and questionable practices. Addressing this issue will ensure cryptocurrency custodians are held accountable and users are protected.\n\nEvidence Supporting My Complaint : 1. Screenshots of Crypto.coms deposit page showing no disclaimers about XXXX transactions.\n\n2. Correspondence with Crypto.com acknowledging ownership of the funds and outlining their demands for recovery.\n\n3. Documentation of my compliance with their retrieval process, including their {$100.00} fee demand.\n\n4. Record of previous successful XXXX transactions, including XXXX XXXX withdrawal on XX/XX/XXXX. \nI trust that the CFPB will take decisive action to address these concerns and protect consumer rights in the growing cryptocurrency space. \nThank you for your attention to this matter. Please do not hesitate to contact me if further information or documentation is required. \nSincerely, XXXX XXXX XXXX Chat Log with Crypto.com : Attached below are the details of the chat log screenshots with Crypto.com. These serve as evidence supporting the claims made in this formal complaint.\n\nDetailed Evidence from Chat Logs with Crypto.com : 1. **Acknowledgment of Fund Ownership** : On page 2 of the chat log, Crypto.com explicitly acknowledges the ownership of the XXXX XXXX  but demands an additional {$100.00} fee for their return. \nXXXX. **Attempt to Send Funds to a Dead Address** : On page XXXX, Crypto.com proposes returning the funds to a \" destination address '' that they indicate could result in a permanent loss of the assets, violating user trust and standard practices.\n\n3. **Lack of Disclosure About XXXX  Transactions** : Throughout the chat log, no clear or prior warnings were given regarding the incompatibility of XXXX transactions with Crypto.com 's policies. This absence of transparency contributed to the financial harm incurred. \nThe above points will be integrated into the CFPB document under the \" Evidence Supporting My Complaint '' section.","date_sent_to_company":"2025-01-22T08:19:05.000Z","issue":"Confusing or missing disclosures","sub_product":"Virtual currency","zip_code":"60050","tags":null,"has_narrative":true,"complaint_id":"11688576","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Foris DAX, Inc.","date_received":"2025-01-22T08:00:35.000Z","state":"IL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Details of the Incident : <em>Transaction</em> Date : XX/XX/XXXX <em>Transaction</em> Type : MimbleWimble ( Privacy Protocol ) Amount : XXXX LTC Key Issues : XXXX. Lack of clear and visible <em>warnings</em> about unsupported <em>transaction</em> types.\n\n2. Unjustified withholding of user funds without proper notice or explanation.\n\n3. Imposition of an additional {$100.00} fee to return funds despite Crypto.coms acknowledgment of ownership."]},"sort":[11.942125,"11688576"]},{"_index":"complaint-public-v1","_id":"8054808","_score":11.936569,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Upon receiving my Consumer Disclosure report from XXXX XXXX XXXX ( 3rd Party Reporting Agency ), discoveries relating to the information provided from said party ( Early Warning ) has reveled a plethora of violations committed by multiple 3rd party affiliate, non-affiliates or any and every entity which may be recognized in addition through further investigation from past, present and future furnishing of my nonpublic private information. \n\nThese are issues I wish to address due to all parties who may have breached the of terms and agreements leading to have adversely effected my rights under the Fair Credit Billing Act. The sharing of my personal information was done so without my written consent. From disclosure of numerous non-public personal information including but not limited to discrepancies, errors, inaccuracies, derogatory marks, all of which etc. The information disclosed to 3rd parties has negatively affected approval and access to credit from certain documents which prove to be valid in detail with this letter. \n\n15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. \n( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.\n\nConsumer : There is a need to protect my privacy which every company may be in violation of which the terms, conditions and privacy policy are attached with this dispute. \n\nImportant Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. \nThe term consumer means an individual. \nThe term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates Consumer : They need my written consent to add anything to my consumer report. Since I did not authorize this, it is a violation of the Fair Credit Reporting Act. \n82 Stat. 146 - An Act to safeguard the consumer in connection with the utilization of credit by requiring full disclosure of the terms and conditions of finance charges in credit transactions or in offers to extend credit ; by restricting the garnishment of wages ; and by creating the XXXX XXXX XXXX XXXX XXXX to study and make recommendations on the need for further regulation of the consumer finance industry ; and for other purposes Consumer : This is law that backs the code and is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) Consumer : Reporting Transaction history is illegal. XXXX XXXX XXXX is in violation of reporting my transaction history. Request made by the consumer via telephone has been denied due to claims that permission was granted from such companies of which the consumer is an active or former member. Examples of financial institutions Early Warning Services claim the information gathered prior to my request for the Consumer Disclosure Report, may be but not limited to, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. and XXXX XXXX. All of which I am a current member of their services. All current and former affiliates who may have given information without my permission such as but not limited to, the reporting of my transaction history, do not have my permission which are all violations and request immediate change of status to removal or paid as agreed. In Terms and Agreements attached of the institutions of which I am a current member, 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. \nConsumer : No adverse item besides the conviction of crimes should be on my report and any item that is a derogatory mark is not allowed into consumer reports. In the event that Early Warning continues to attempt to justify keeping transaction history in cases where they believe were granted permission ( which they do not ) from any entity with my nonpublic personal information, all the disputes I request to be removed are considered derogatory marks which have and may have resulted to negatively effect my credit score. \n15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.\n\n( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.\n\nConsumer : By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports, XXXX XXXX XXXX are also violating compliance procedures under this title. \n15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Consumer : I have filed more than 1 complaint, in fact multiple complaints against numerous agencies with the CFPB which either remain in dispute pending a response or continued refusal to remove reports in which have already been put on record with the CFPB with the necessary evidence to prove disputes in claim. This is a violation of willfull noncompliance understanding of the violations after my complaints were made the 1st time. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law. \n15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure Consumer : if the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures. They are still liable for correcting these violations which have been made clear in this complaint if in fact their actions or lack thereof was due negligence. \n\n15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. \n( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. \nConsumer : I have notified the consumer agencies that there is inaccurate information. They must immediately stop reporting that information until they can prove that it is valid which continues to be denied. \n15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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( 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\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 institutions 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\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.\n\n5 U.S. Code 552a - Records maintained on individuals ( n ) Mailing Lists.\n\nAn individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to require the withholding of names and addresses otherwise permitted to be made public.\n\nConsumer : All inquiries on my report using my name and address given to nonaffiliated 3rd party entities that may have been sold for marketing and/or promotional purposes was done so without my permission which is a violation. If inquiries not from an open account on credit report they must remove inquiry. If continued refusal to remove all inquiries from my report, all agencies must send documentation that was used to verify I have an open account with any and all agencies in question.\n\n12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.\n\n15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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 ( 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. \nConsumer : XXXX XXXX XXXX has denied my requests to opt out of the disputes in my Consumer Disclosure Report.\n\n15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law Consumer : Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal per 15 USC 6802. Any information that wishes to be added to my report will not be permitted without my notification, consent and approval. Any and all private information will be presented to me prior to my decision to approve or deny any and all to be added to my report.","date_sent_to_company":"2023-12-26T02:30:22.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"94134","tags":null,"has_narrative":true,"complaint_id":"8054808","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-12-26T02:30:18.000Z","state":"CA","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["In the event that Early <em>Warning</em> continues to attempt to justify keeping <em>transaction</em> history in cases where they believe were granted permission ( which they do not ) from any entity with my nonpublic <em>personal</em> <em>information</em>, all the disputes I request to be removed are considered derogatory marks which have and may have resulted to negatively effect my credit score. \n15 U.S."],"product":["Credit <em>reporting</em> or other <em>personal</em> consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[11.936569,"8054808"]},{"_index":"complaint-public-v1","_id":"8326008","_score":11.9000635,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Registered Mail Tracking # XXXX DELIVERED : Delivered, Front Desk/Reception/Mail XXXXXXXX XXXX XXXX XXXX XXXX  NOTICE OF DISHONOR w/ OPPORTUNITY TO CURE : Account # XXXX, XXXX and all other accounts attached to my social security number. \n\nThe Fair Credit Reporting Act has provisions in place for customer and consumers. \n\n15 U.S. Code 1681a ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681 section 602 a states \" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Reporting Transaction history is illegal I have attached my early warning services and credit reports with all bureaus to show the TRANSACTION HISTORY being reported. \n\nXXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title.\n\n15 USC 1681 section 604 a section 2 states that \" In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX DO NOT HAVE MY CONSENT OR WRITTEN PERMISSION to furnish this information. \n\nAny and all consent to XXXX, XXXX and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that \" A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) NEVER informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states \" A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.\n\n15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. \n\nXXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that \" A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.\n\n15 U.S. Code 1637 - Open end consumer credit plans Before opening any account under an open end consumer credit plan, the creditor shall disclose to the person to whom credit is to be extended each of the following items, to the extent applicable ( 8 ) In the case of any account under an open end consumer credit plan which provides for any extension of credit which is secured by the consumers principal dwelling, any information which ( A ) is required to be disclosed under section 1637a ( a ) of this title ; and This never occurred but I am a consumer credit card with the creditor.\n\nThe Securities and Exchange Commission ( SEC ) enforces the laws and regulations under this act and investigates violations. Some common violations include : Theft of money or securities, 15 USC 1611 ; Criminal liability for willful and knowing violation.\n\nI have sent several securities that aren't applied to account and have been stolen and added to the companies receivables. I have requested GAAP reporting for public and private.","date_sent_to_company":"2024-02-11T20:25:31.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60643","tags":null,"has_narrative":true,"complaint_id":"8326008","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2024-02-11T20:17:40.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Code 1681 section 602 a states \" There is a need to insure that consumer <em>reporting</em> agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' <em>Reporting</em> <em>Transaction</em> history is <em>illegal</em> I have attached my early <em>warning</em> services and credit <em>reports</em> with all bureaus to show the <em>TRANSACTION</em> HISTORY being <em>reported</em>. \n\nXXXX, XXXX and XXXX are consumer <em>reporting</em> agencies and I am the Consumer."],"product":["Credit <em>reporting</em> or other <em>personal</em> consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[11.9000635,"8326008"]},{"_index":"complaint-public-v1","_id":"8326143","_score":11.87552,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Attn : XXXX XXXX Registered Mail Tracking # XXXX DELIVERED : to Agent for Final DeliveryXXXX XXXX XXXX NY XXXX NOTICE OF DISHONOR w/ OPPORTUNITY TO CURE : Account # XXXX & XXXX The Fair Credit Reporting Act has provisions in place for customer and consumers. \n\n15 U.S. Code 1681a ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681 section 602 a states \" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Reporting Transaction history is illegal I have attached my early warning services and credit reports with all bureaus to show the TRANSACTION HISTORY being reported. \n\nXXXX, XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title.\n\n15 USC 1681 section 604 a section 2 states that \" In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX DO NOT HAVE MY CONSENT OR WRITTEN PERMISSION to furnish this information. \n\nAny and all consent to XXXX, XXXX and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that \" A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) NEVER informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states \" A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.\n\n15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. \n\nXXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that \" A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.\n\n15 U.S. Code 1637 - Open end consumer credit plans Before opening any account under an open end consumer credit plan, the creditor shall disclose to the person to whom credit is to be extended each of the following items, to the extent applicable ( 8 ) In the case of any account under an open end consumer credit plan which provides for any extension of credit which is secured by the consumers principal dwelling, any information which ( A ) is required to be disclosed under section 1637a ( a ) of this title ; and This never occurred but I am a consumer credit card with the creditor.\n\nThe Securities and Exchange Commission ( SEC ) enforces the laws and regulations under this act and investigates violations. Some common violations include : Theft of money or securities, 15 USC 1611 ; Criminal liability for willful and knowing violation.\n\nI have sent several securities that aren't applied to account and have been stolen and added to the companies receivables. I have requested XXXX reporting for public and private.","date_sent_to_company":"2024-02-11T20:12:09.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60643","tags":null,"has_narrative":true,"complaint_id":"8326143","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-02-11T19:30:44.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["Code 1681 section 602 a states \" There is a need to insure that consumer <em>reporting</em> agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' <em>Reporting</em> <em>Transaction</em> history is <em>illegal</em> I have attached my early <em>warning</em> services and credit <em>reports</em> with all bureaus to show the <em>TRANSACTION</em> HISTORY being <em>reported</em>. \n\nXXXX, XXXX and XXXX are consumer <em>reporting</em> agencies and I am the XXXX."],"product":["Credit <em>reporting</em> or other <em>personal</em> consumer reports"],"issue":["Improper use of your <em>report</em>"],"sub_product":["Credit <em>reporting</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[11.87552,"8326143"]},{"_index":"complaint-public-v1","_id":"11004713","_score":11.576981,"_source":{"product":"Checking or savings account","complaint_what_happened":"Good Afternoon, I am reaching out to the PNC executive staff and XXXX, after my conversations with the PNC fraud department and customer service fraud at XXXX. The police department will be needing confirmation as to whether XXXX XXXX herself fraudulently and illegally committed a felony offense by reopening my XXXX sons POD account on XX/XX/XXXX, and putting it into a negative balance of - {$3600.00} in regards to an {$1800.00} XXXX transaction and two other XXXX transactions in which she herself verified that PNC was paid by XXXX in regards to those fraudulent transactions in a recorded statement. \n\nPer PNCs own description, and those documentations provided by our attorney when those accounts were opened, The executive office is well aware that that account can not be reopened or money can not be transferred or taken out of that account without my certificate of death. We do have a recorded statement from an employee that it was indeed XXXX that reopened this account and placed it into a negative balance in what appears to be blatant retaliation. \n\nIn her statement, she said that XXXX was her supervisor, but would not allow me to speak with her, Stating that XXXX agreed with her decision. She also stated that her department spoke for XXXX XXXX in all decisions, although XXXX had no idea where XXXX XXXX was located and was unsure on how to spell his last name. \n\nUpon asking XXXX for information in regards to what the companies were needing, she stated that she had reversed all charges, leaving the customer service department and fraud department at PNC at a complete loss and state of confusion, when they are the departments themselves, along with XXXX, XXXX, XXXX, and XXXX, that provided all of the fraudulent details stating that none of them were denying any claims of fraudulent activity. \n\nDue to this POD Account being illegally reopened without my signature, along with transfers, without my signature, I will be needing confirmation In regard to the police department to pursue felony charges against XXXX, XXXX, XXXX, and XXXX XXXX, Since they were the individual named In the recorded statements involved in this illegal activity with PNC Bank. \n\nXXXX Made a recorded statement last night in regards to the information that they provided to me, that the branch manager XXXX, in XXXX, Illinois, Indeed showed that all transactions were fraudulent, and made another recorded statement that they in no way Stated otherwise to PNC Bank. In XXXX recorded statement She checked all household numbers, including my XXXX XXXX XXXX sons, and confirmed that no phone number given and associated with our PNC Bank accounts had ever had a XXXX account under our numbers. Their statement will be transcribed and notarized for the Sheriffs department and the department of homeland security. \n\nDue to local news, Senior News writer XXXX XXXX, XXXX works with more than XXXX Financial institutions, and since XX/XX/XXXX XXXX operator early warning services, a XXXX Arizona base company owned by XXXX banks, including PNC, Has quietly required banks and credit unions to reverse transfers for customers in Fraudulent cases. Banks are required to reverse fraudulent charges that were not initiated by a customer. XXXX program is unique and that it also covers transactions initiated by the customer. The measure comes as XXXX has drawn scrutiny from lawmakers for the amount of fraud perpetrated on its platform, Reportedly XXXX million in XXXX alone. In an XX/XX/XXXX press release, XXXX simply stated that banks in its network must implement XXXX risk reduction program and that the network has a new consumer reimbursement benefit for Fraudulent activity. \n\nAccording to the federal trade commission in XXXX, Americans lost {$2.00} billion to fraudulent activity. XXXX has become increasingly popular with small businesses, owners, and many of whom use the service to pay employees or rent or personal reasons. According to a XXXX press release This total was more than {$72.00} billion in XXXX. \n\nOn XX/XX/XXXX, the consumer financial protection bureau published guidance warnings to banks that they risk of violating federal laws if they unilaterally reopen a customers previously closed deposit account, particularly if they collect fees on the account. \n\nThe guidance demonstrates the CFPBs continued efforts to target what is characterized as unreasonable or junk fees, imposed on consumers which the bureau considers are likely illegal. \n\nWhen a bank illegally Chooses to open an account in someones name after they have already closed it. This is a fake account. This is a direct statement by the CFPD director, Rohit Chopra. Todays circular confirms that banks may risk violating the consumer financial protective act prohibition on unfair, act or practices by unilaterally reopening closed accounts. Consumers may incur overdraft, non-sufficient funds, or monthly maintenance fees when a closed account is reopened by a bank. This practice may also enable third parties to access a consumer funds without consent, especially when that consumer is like my husband and myself that have become victim to numerous documented and recorded Sim swapping by multiple companies on recorded statements. If reopening the account overdraws the account, banks may also furnish negative information to consumer reporting companies if consumers do not settle negative balances quickly. Consumers often can not reasonably avoid the risk of substantial injury caused by this practice because they can not control a third parties attempt to debit or deposit money. \n\nThe CFPD previously ordered XXXX XXXX XXXX bank to pay more than 15 million in consumer, remediation and penalties for among these things violating the consumer financial protection act by reopening deposit accounts consumers had previously closed without seeking prior authorization or providing adequate notice, such as PNC Bank did in regards to our accounts that were closed in XX/XX/XXXX, then illegally reopened the end of XX/XX/XXXX, in the attempt to collect twice the amount of credits given, that XXXX herself stated that PNC had already been paid for by XXXX, which is why I was mailed a check after the account was closed. \n\nMy husband and I have filed a complaint with the CFPB and have contacted local news stations due to the lack of response in regards to our complaint going unanswered for numerous weeks. The fact that this account was in my XXXX sons name, and it was a payable upon death account, and was reopened by a bank employee, without my certificate of death, consent, or signatures, The CFPB has previously warned financial institutions that they risk violating UDAAP by unilaterally reopening deposit accounts that consumers previously closed. This situation may arise after the consumer completes all of the necessary steps to Closing an account. The CFPB also notes that depending upon the circumstances, reopening a closed account may implicate the CFPAs prohibition on deceptive or abusive act of practices. Under the CFPA, unfair, deceptive or abuse of acts or practices that the UDAAP prohibited.\n\nAt this point, this is your legal written, cease and desist in PNCs involvement On any additional charges being taken out of any accounts illegally reopened, as in my POD account Illegally reopened by XXXX, per a recorded statement, Without my certificate of death. We were informed by another employee, she also recharged all Fraudulent previsionary credits back onto our other accounts without reviewing all documentation that was sent that proved that they were indeed fraudulent withdrawals, this evidence included recorded conversation. \n\nThese amounts totaled over {$15000.00} and also included illegal transfers out of my sons POD account that are not added into that total. Ive been instructed by XXXX that I need a subpoena if I want this information, which is utterly ridiculous. I expect all funding to be returned Via check, and mailed to our home address, since we have closed all accounts with PNC Bank due to this blatant disregard to fraudulent and illegal charges, plus the illegal and felony charges that PNC bank employees have created in addition to this situation. I also expect a phone call from the CEO and HR Supervisor in regard to how PNC is going to rectify all of the activity and felony charges their employees caused themselves while working at PNC Bank. \nPlease advise how you are going to rectify the situation moving forward. I would prefer a phone call from XXXX XXXX or whoever the CEO of the company is at PNC Bank, since XXXX was unsure how to spell the last name, I am unsure if he is still the CEO. I would also like to speak to the HR Department in regard to this employees, illegal misconduct and what that department is doing to rectify that situation itself. \nI have blind carbon copied XXXX XXXX with the United States, Secret Service department of Homeland security, as she is the individual that is handling our case. I have advised XXXX XXXX to respectfully not take calls in regards To this situation or from PNC Bank, because they are tied up with a presidential election. \nRespectfully, XXXX, XXXX, and XXXX XXXX","date_sent_to_company":"2024-12-04T01:48:40.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Other banking product or service","zip_code":"622XX","tags":null,"has_narrative":true,"complaint_id":"11004713","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"PNC Bank N.A.","date_received":"2024-12-04T01:41:37.000Z","state":"IL","company_public_response":null,"sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Due to local news, Senior News writer XXXX XXXX, XXXX works with more than XXXX Financial institutions, and since XX/XX/XXXX XXXX operator early <em>warning</em> services, a XXXX Arizona base company owned by XXXX banks, including PNC, Has quietly <em>required</em> banks and credit unions to reverse transfers for customers in Fraudulent cases. Banks are <em>required</em> to reverse fraudulent charges that were not initiated by a customer."],"sub_issue":["<em>Transaction</em> was not authorized"]},"sort":[11.576981,"11004713"]},{"_index":"complaint-public-v1","_id":"17834251","_score":11.543101,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"CFPB COMPLAINT - SANTANDER CONSUMER USA YOUR INFORMATION : Name : XXXX XXXX Address : XXXX XXXX XXXXXX/XX/XXXXXXXX Phone : XXXX ACCOUNT INFORMATION : Creditor : Santander Consumer USA Inc . \nAccount Number : XXXX Vehicle : XXXX XXXX XXXXXX/XX/XXXXXXXX Original Loan Amount : {$25000.00} Interest Rate : 29.99 % APR ( predatory ) Amount Claimed Owed : {$15000.00} ( charged off ) Current Settlement Demand : {$1500.00} COMPLAINT : PREDATORY LENDING, FRAUD, ILLEGAL REPOSSESSION, THEFT, HARASSMENT, AND EVIDENCE DESTRUCTION BACKGROUND - PREDATORY LENDING : In XX/XX/XXXX, Santander provided financing for this vehicle at 29.99 % APR - an unconscionably high rate for a secured auto loan. For context, this rate is higher than most credit cards and borders on usury. This predatory rate made the loan unaffordable from the start and set me up for failure. \nTIMELINE OF VIOLATIONS : Early XXXX - Vehicle Accident and Repairs : My vehicle was involved in an accident. XXXX insurance paid for {$5000.00} in professional auto body repairs. \nDuring the repair process, Santander and/or their recovery agents began harassing and stalking me, demanding : name and location of the body shop, insurance claim information, license plate numbers, exact location of the vehicle, and timeline for repair completion. \nI refused to provide most of this information. Despite my refusal, they located the repair shop through their own investigation/stalking. \nXX/XX/XXXX - Requests for Help Ignored : I fell behind on payments due to ongoing XXXX and loss of income since XXXX. I contacted Santander IN WRITING twice requesting payment arrangements or hardship assistance BEFORE missing payments. \nSantander ignored both requests and never responded. \nXXXX XXXX - Bad Faith Stalling and Extortion : When I finally reached them by phone, Santander : demanded I pay MORE than the actual amount owed to prevent charge-off, made vague promises about payment arrangements, stalled me for months with no resolution, and appeared to be deliberately delaying while waiting for repairs to complete. \nXX/XX/XXXX- Strategic Repossession After Repairs : Immediately after the {$5000.00} in repairs were completed, Santander repossessed the vehicle without proper notice. The timing appears calculated to maximize their profit by seizing a newly-repaired, high-value vehicle. \nThe repossession occurred at night. I had just returned from a medical trip related to my XXXX. I had a critical orthopedic appointment for XXXX XXXX consultation scheduled the next morning - a long-distance appointment requiring the vehicle. I woke up to discover my only transportation had been taken with no advance warning. \nPersonal Property Theft : The vehicle contained approximately {$3000.00} worth of personal property : XXXX XXXX, XXXX, various tools, and clothing and personal effects from my trip. Santander has refused to return any of these items or compensate me. Under XX/XX/XXXX law and UCC provisions, they had no right to keep or dispose of my personal property. \nAuction Violations : Santander provided only vague notice that the vehicle would be 'put in auction ' but NEVER provided : specific date of auction, time of auction, location of auction, opportunity to redeem vehicle before sale, or proper accounting showing sale price and application of proceeds. This violates UCC Article 9 requirements for commercially reasonable disposition of collateral. \nXX/XX/XXXX - Fraudulent Charge-Off : Santander reported the account as 'charged off as bad debt, profit and loss write-off ' to all three credit bureaus, showing {$15000.00} charged off. However : I never received IRS Form 1099-C ( Cancellation of Debt ), the account continues to accrue interest after charge-off, they're still demanding payment ( {$1500.00} settlement ), and they claim I owe money despite selling a newly-repaired vehicle worth far more than the loan balance, never providing accounting of sale proceeds, and keeping {$3000.00} in personal property. \nEvidence Destruction : After repossession and sale, Santander deleted or removed ALL account statements from my online account access, including the critical statement showing : the auction sale details, sale price received, how proceeds were applied, and deficiency calculation. This appears to be intentional destruction of evidence to prevent me from challenging their claims. \nFEDERAL AND STATE LAW VIOLATIONS : 1. PREDATORY LENDING 29.99 % APR on secured auto loan is unconscionably high. Rate designed to ensure default and profitable repossession. Violates state usury laws and unfair lending practices.\n\n2. FRAUD AND PROFIT MAXIMIZATION SCHEME Deliberately stalled while waiting for {$5000.00} in insurance-funded repairs. Harassed and stalked to track repair completion. Repossessed immediately after repairs to maximize auction value. Refused to provide accounting showing they profited from newly-repaired vehicle. Deleted evidence of sale proceeds. Pattern suggests intentional scheme to let insurance pay for repairs, seize high-value repaired vehicle, sell at profit, still claim inflated deficiency, and destroy evidence. \n3. HARASSMENT AND STALKING Repeated unwanted contact demanding repair shop location. Investigated and located repair shop despite my refusal to provide information. Harassment by recovery agents before repossession. Violates Fair Debt Collection Practices Act.\n\n4. ILLEGAL REPOSSESSION PROCEDURES Failed to provide reasonable notice before repossession. Failed to provide proper notice of disposition ( sale ) including time, date, and place. Failed to provide accounting showing sale price and application of proceeds. \nFailed to conduct commercially reasonable sale. These violations may void the entire deficiency balance under UCC Article 9.\n\n5. CONVERSION/THEFT OF PERSONAL PROPERTY Seized and retained XX/XX/XXXXXXXX in personal property. Refused to return personal items. No legal right to dispose of borrower 's personal effects. Violations of state conversion and theft laws. \n6. FRAUDULENT CREDIT REPORTING Reported account as 'charged off ' XX/XX/XXXX. Never issued IRS Form 1099-C ( Cancellation of Debt ). \nContinues to accrue interest after charge-off ( illegal ). Account shows both 'charged off ' status AND active collection. Under IRS regulations ( 26 USC 6050P ), failure to issue 1099-C means either fraudulent reporting or tax law violation.\n\n7. EXTORTION Demanded MORE than amount actually owed to prevent charge-off. Threatened credit damage while making impossible demands. Bad faith negotiation tactics.\n\n8. EVIDENCE DESTRUCTION Deleted all account statements including auction accounting. Prevents verification of commercially reasonable sale. Prevents challenging deficiency calculation. Intentional destruction of exculpatory evidence. Potential obstruction. \nMY CURRENT SITUATION : I am a XXXX XXXX individual with no income since XXXX. I have exhausted my XXXX, retirement savings, stocks, and bonds trying to survive. Every month is a struggle to remain housed and fed. \nI am currently recovering from a serious accident in XX/XX/XXXX that resulted in : XXXX XXXX XXXXXX/XX/XXXX, and severe XXXX XX/XX/XXXX. I am on unpaid leave and my housing is at risk. \nSantander 's actions have : charged predatory 29.99 % interest ensuring my failure, stalked me during vulnerable time requiring medical care, timed repossession to maximize their profit after insurance paid repairs, destroyed my credit while continuing illegal collection, stolen {$3000.00} in personal property I can not replace, left me without transportation for critical medical appointments while XXXX, violated multiple federal consumer protection laws, and profited from scheme while claiming I owe them money. \nREQUESTS FOR RELIEF : 1. Immediate deletion of all negative reporting from all three credit bureaus 2. Full accounting of vehicle sale including date, time, location, sale price, all fees, application of proceeds, and justification for claimed deficiency givenXX/XX/XXXXXXXX in recent repairs 3. Proof of compliance with UCC Article 9 notice requirements or ELIMINATION OF ENTIRE DEFICIENCY BALANCE 4. Return or compensation for {$3000.00} in personal property 5. Copy of IRS Form 1099-C or immediate issuance 6. Cease all interest accrual on charged-off debt 7. Restoration of deleted account statements and complete transaction history 8. Investigation of evidence destruction, predatory lending practices, strategic repossession timing, harassment and stalking, and profit maximization scheme 9. Monetary damages for predatory lending, illegal repossession, personal property theft, harassment, fraudulent credit reporting, and emotional distress 10. Referral to appropriate authorities for investigation of potential criminal conduct including theft, stalking, fraud, and evidence destruction 11. Investigation of 29.99 % APR as potential usury violation CONCLUSION : Santander Consumer USA has engaged in a systematic pattern of predatory and illegal conduct : originated predatory loan at 29.99 % APR, stalked and harassed XXXX borrower, stalled to wait for insurance-funded repairs, strategically repossessed newly-repaired vehicle, stole personal property, failed to provide legally-required auction notice and accounting, destroyed evidence, falsely reported charge-off while continuing collection, and violated multiple federal and state consumer protection laws. \nThis appears to be a calculated scheme to profit from insurance-funded repairs while claiming a deficiency, with evidence destruction to hide their fraud. \nI request immediate investigation and enforcement action against Santander for these egregious violations. \nI am actively seeking legal counsel and intend to file suit for : elimination of deficiency under UCC violations, statutory damages under FDCPA, FCRA, and state consumer protection laws, actual damages for theft and emotional distress, punitive damages for willful misconduct, and attorney fees.\n\nDESIRED OUTCOME : 1. Immediate remov\nal of all negative credit reporting 2. Elimination of deficiency balance due to UCC violations 3. Compensation for stolen personal property ( {$3000.00} ) 4. Monetary damages for harassment, stalking, and fraudulent scheme 5. Full investi\ngation of Santander 's predatory practices 6. Referral for criminal prosecutio","date_sent_to_company":"2025-11-23T10:57:05.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"972XX","tags":null,"has_narrative":true,"complaint_id":"17834251","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2025-11-23T10:49:11.000Z","state":"OR","company_public_response":null,"sub_issue":"Damage caused or loss of personal items in vehicle during the actual repossession"},"highlight":{"complaint_what_happened":["Restoration of deleted account statements and complete <em>transaction</em> history 8. Investigation of evidence destruction, predatory lending practices, strategic repossession timing, harassment and stalking, and profit maximization scheme 9. Monetary damages for predatory lending, <em>illegal</em> repossession, <em>personal</em> property theft, harassment, fraudulent credit <em>reporting</em>, and emotional distress 10."],"sub_issue":["Damage caused or loss of <em>personal</em> items in vehicle during the actual repossession"]},"sort":[11.543101,"17834251"]},{"_index":"complaint-public-v1","_id":"11783845","_score":11.427337,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XX/XX/XXXX Ally Financial Original Seller Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing regarding the above-referenced account and transaction. This vehicle was repossessed by Ally Financial in the XXXX XXXX XXXX XXXX  on or about XX/XX/XXXX. \n\nUnder the laws of the XXXX XXXX XXXX XXXX, including UCC 9-611 and related provisions, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given, and all allowable redemption and cure time limits were adhered to. \n\nTo address this matter, please provide the following : Copies of all legal notices sent regarding the repossession, including proof of timely delivery. \nProof of the commercially reasonable manner of the resale of the subject vehicle. \nIf no such proof is provided within 14 days of receipt of this notice, the alleged claim of a deficiency will be considered null and void. Any continued collection activities or reporting of this invalid claim on my credit reports will be deemed a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). \n\nAdditionally, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties under all available State and Federal statutes and UCC Article 9 remedies. \n\nPlease respond promptly to address this matter. \n\nSincerely, XXXX XXXX I am writing to formally address a number of serious violations regarding the repossession of my vehicle by XXXX XXXX and to demand full restitution for the unlawful actions taken by Ally Financial and XXXX XXXX The repossession of my vehicle occurred on XX/XX/XXXX, and I believe that these actions were carried out without proper legal procedure and in direct violation of my rights as a consumer. \n\nOn the day of the repossession, I received an email from Ally Financial indicating that my car was at risk of being repossessed. In good faith, I immediately took steps to address this situation and was on my way to the bank in an effort to make payment and prevent the repossession. However, before I had the opportunity to complete the transaction, XXXX XXXX arrived at my property and seized my vehicle without any prior warning or proper legal documentation. \n\nThis repossession was conducted without a sheriffs involvement or a court order, as required by law. According to federal regulations, including 15 USC 1692f and 552A I ( 3 ), repossession can only occur after proper legal procedures have been followed. I did not receive any written notification, such as a court order or sheriffs notice, which would have informed me of any legal proceedings related to the repossession. This lack of notification is a clear violation of my legal rights, as repossession should not be carried out without proper due process. \n\nMoreover, it is my understanding that Ally Financial, without my consent or authorization, provided XXXX XXXX with my personal information in order to facilitate the repossession of my vehicle. This is a severe violation of my privacy and consumer protection laws. Ally Financials actions in sharing my personal data with XXXX XXXX, without proper consent or disclosure, are not only unethical but also illegal under federal privacy laws. I have every reason to believe that the handling of my account has been both negligent and improper, resulting in unnecessary harm and stress. \n\nAdditionally, I would like to address the excessive fees and charges that have been added to my account since the repossession. I have been diligent in making my payments, and there is no justifiable reason for the high fees associated with the repossession. As a single mother who has been struggling with health-related issues, including a two-month hospitalization, I am facing significant financial hardship. Despite my efforts to keep up with payments, Ally Financial has imposed fees that I believe to be both excessive and unfair. I am requesting that these fees be removed and that my account be restored to its original state before these actions took place. \n\nI am also requesting that Ally Financial offer some relief by moving XXXX payments toward the end of my contract. This would provide me with much-needed breathing room as I navigate through these unforeseen financial difficulties. I trust that Ally Financial, as a responsible institution, will consider my situation and take the necessary steps to address my concerns in a fair and reasonable manner. \n\nFurthermore, I wish to highlight that I have been in contact with Ally Financial in the past regarding this matter. In XX/XX/XXXX, I sent a formal letter to your company, detailing concerns I had about fraudulent misrepresentation during the purchase of the vehicle. I have attached a copy of this letter for your reference and hope that it will be reviewed and responded to in a timely manner. My intention is to resolve these matters without resorting to further legal action, but I will not hesitate to pursue all available remedies to protect my rights and seek justice. \n\nIf this issue is not resolved within the next XXXX business days, I will be left with no choice but to report Ally Financial and XXXX XXXX to all three major credit bureaus and file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). I will also consider filing a lawsuit for damages resulting from these unlawful actions. It is my hope, however, that we can reach an amicable resolution without escalating the matter further. \n\nI am requesting a full refund of all fees and charges associated with this illegal repossession. I also ask that you take immediate steps to correct the improper handling of my account and provide a written confirmation of the following actions : A full refund of all fees associated with the repossession. \nThe removal of any negative marks from my credit report due to this unlawful repossession. \nThe movement of XXXX payments toward the end of my contract to accommodate my financial hardship. \nA written apology for the mishandling of my account and personal information. \nPlease acknowledge receipt of this letter within XXXX business days and provide me with a written confirmation of your intention to refund the full purchase price and resolve this matter promptly. I can be reached at XXXX XXXX XXXX should you require any further information or clarification. \n\nThank you for your prompt attention to this serious matter. I trust that Ally Financial and XXXX XXXX will take the necessary steps to resolve this situation in a fair and just manner. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-27T16:52:19.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"11772","tags":null,"has_narrative":true,"complaint_id":"11783845","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-01-27T16:10:28.000Z","state":"NY","company_public_response":null,"sub_issue":"Voluntary repossession"},"highlight":{"complaint_what_happened":["Moreover, it is my understanding that Ally Financial, without my consent or authorization, provided XXXX XXXX with my <em>personal</em> <em>information</em> in order to facilitate the repossession of my vehicle. This is a severe violation of my privacy and consumer protection laws. Ally Financials actions in sharing my <em>personal</em> data with XXXX XXXX, without proper consent or disclosure, are not only unethical but also <em>illegal</em> under federal privacy laws."]},"sort":[11.427337,"11783845"]},{"_index":"complaint-public-v1","_id":"11779390","_score":11.297638,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I am writing to formally address a number of serious violations regarding the repossession of my vehicle by XXXX XXXX and to demand full restitution for the unlawful actions taken by Ally Financial and XXXX XXXX. The repossession of my vehicle occurred on XX/XX/XXXX, and I believe that these actions were carried out without proper legal procedure and in direct violation of my rights as a consumer. On the day of the repossession, I received an email from Ally Financial indicating that my car was at risk of being repossessed. In good faith, I immediately took steps to address this situation and was on my way to the bank in an effort to make payment and prevent the repossession. However, before I had the opportunity to complete the transaction, XXXX XXXX arrived at my property and seized my vehicle without any prior warning or proper legal documentation. This repossession was conducted without a sheriffs involvement or a court order, as required by law. According to federal regulations, including 15 USC 1692f and 552A I ( 3 ), repossession can only occur after proper legal procedures have been followed. I did not receive any written notification, such as a court order or sheriffs notice, which would have informed me of any legal proceedings related to the repossession. This lack of notification is a clear violation of my legal rights, as repossession should not be carried out without proper due process. Moreover, it is my understanding that Ally Financial, without my consent or authorization, provided XXXX XXXX with my personal information in order to facilitate the repossession of my vehicle. This is a severe violation of my privacy and consumer protection laws. Ally Financials actions in sharing my personal data with XXXX XXXX, without proper consent or disclosure, are not only unethical but also illegal under federal privacy laws. I have every reason to believe that the handling of my account has been both negligent and improper, resulting in unnecessary harm and stress. Additionally, I would like to address the excessive fees and charges that have been added to my account since the repossession. I have been diligent in making my payments, and there is no justifiable reason for the high fees associated with the repossession. As a single mother who has been struggling with XXXX issues, including a two-month XXXX, I am facing significant financial hardship. Despite my efforts to keep up with payments, Ally Financial has imposed fees that I believe to be both excessive and unfair. I am requesting that these fees be removed and that my account be restored to its original state before these actions took place. I am also requesting that Ally Financial offer some relief by moving four payments toward the end of my contract. This would provide me with much-needed breathing room as I navigate through these unforeseen financial difficulties. I trust that Ally Financial, as a responsible institution, will consider my situation and take the necessary steps to address my concerns in a fair and reasonable manner. Furthermore, I wish to highlight that I have been in contact with Ally Financial in the past regarding this matter. In XX/XX/XXXX, I sent a formal letter to your company, detailing concerns I had about fraudulent misrepresentation during the purchase of the vehicle. I have attached a copy of this letter for your reference and hope that it will be reviewed and responded to in a timely manner. My intention is to resolve these matters without resorting to further legal action, but I will not hesitate to pursue all available remedies to protect my rights and seek justice. If this issue is not resolved within the next seven business days, I will be left with no choice but to report Ally Financial and XXXX XXXX to all three major credit bureaus and file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). I will also consider filing a lawsuit for damages resulting from these unlawful actions. It is my hope, however, that we can reach an amicable resolution without escalating the matter further. I am requesting a full refund of all fees and charges associated with this illegal repossession. I also ask that you take immediate steps to correct the improper handling of my account and provide a written confirmation of the following actions : A full refund of all fees associated with the repossession. The removal of any negative marks from my credit report due to this unlawful repossession. The movement of four payments toward the end of my contract to accommodate my financial hardship. A written apology for the mishandling of my account and personal information. Please acknowledge receipt of this letter within three business days, and provide me with a written confirmation of your intention to refund the full purchase price and resolve this matter promptly. I can be reached at XXXX or XXXX should you require any further information or clarification. Im just know receiving letters from ally financial. \nThank you for your prompt attention to this serious matter. I trust that Ally Financial and XXXX XXXX will take the necessary steps to resolve this situation in a fair and just manner. Sincerely, XXXX XXXX","date_sent_to_company":"2025-01-26T17:24:25.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"11772","tags":null,"has_narrative":true,"complaint_id":"11779390","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-01-26T17:16:27.000Z","state":"NY","company_public_response":null,"sub_issue":"Voluntary repossession"},"highlight":{"complaint_what_happened":["Moreover, it is my understanding that Ally Financial, without my consent or authorization, provided XXXX XXXX with my <em>personal</em> <em>information</em> in order to facilitate the repossession of my vehicle. This is a severe violation of my privacy and consumer protection laws. Ally Financials actions in sharing my <em>personal</em> data with XXXX XXXX, without proper consent or disclosure, are not only unethical but also <em>illegal</em> under federal privacy laws."]},"sort":[11.297638,"11779390"]},{"_index":"complaint-public-v1","_id":"10015861","_score":11.259417,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have told Early Warning Services that I am opting out of their reporting services. I never opted into their services, but they are stealing my personal identifiable information and sharing it without my permission. The law says that reporting transaction history is illegal, yet they do it and they refused to stop doing it. \n\nThey reported XXXX transactions which means that's XXXX violations. Plus they stole my information which is identity theft. They're forcing me into peonage and using my information for their benefit and profit against my will. I am a XXXX to their company and I demand to be released. \n\nPrivacy Act of 1974 ( 5 U.S. Code 552a ) DEFINITIONS.For purposes of this section ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; CONDITIONS OF DISCLOSURE No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be- ( 12 ) to a consumer reporting agency in accordance with section 3711 ( f ) of title 31.\n\n12 CFR 1016.1 - Purpose and scope.\n\n( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15.\n\n12 CFR 1016.4 - Initial privacy notice to consumers required. \nInitial privacy notice to consumers required. \n( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 1016.14 and 1016.15 of this part.\n\n12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods.\n\n( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.\n\n( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.\n\n( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.\n\n( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.\n\n( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.\n\n( i ) Duration of consumer 's opt out direction.\n\n( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.\n\n15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows :","date_sent_to_company":"2024-09-04T18:09:22.000Z","issue":"Improper use of your report","sub_product":"Other personal consumer report","zip_code":"34601","tags":null,"has_narrative":true,"complaint_id":"10015861","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2024-09-04T17:51:55.000Z","state":"FL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I have told Early <em>Warning</em> Services that I am opting out of their <em>reporting</em> services. I never opted into their services, but they are stealing my <em>personal</em> identifiable <em>information</em> and sharing it without my permission. The law says that <em>reporting</em> <em>transaction</em> history is <em>illegal</em>, yet they do it and they refused to stop doing it. \n\nThey <em>reported</em> XXXX transactions which means that's XXXX violations. Plus they stole my <em>information</em> which is identity theft."],"product":["Credit <em>reporting</em> or other <em>personal</em> consumer reports"],"issue":["Improper use of your <em>report</em>"],"company":["Early <em>Warning</em> Services, LLC"],"sub_product":["Other <em>personal</em> consumer <em>report</em>"],"sub_issue":["<em>Reporting</em> company used your <em>report</em> improperly"]},"sort":[11.259417,"10015861"]},{"_index":"complaint-public-v1","_id":"6363044","_score":11.180092,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"In accordance with the Fair Credit Reporting Act, and other Acts of Congress, Early Warning Service ( hereinafter \" company '' ) has violated my rights ( hereinafter \" consumer '' and \" consumer 's '' ) around XXXX XXXX, 2022  15 usc 1692 ( K ) ( A ) - allows consumer to charge company {$1000.00} per violation 15 usc 1681 ( a ) ( 4 ) - guarantees consumer 's right to privacy 15 usc 1681 ( b ) ( e ) - prohibits false information being reported against consumer 15 usc 1681 ( b ) - company did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission of the consumer 15 usc 1681 ( b ) ( a ) ( 2 ) - the company needs the consumer 's written permission to share consumers data and the company does not have the consumer 's written permission to share consumer 's data. \n\n15 usc 1692f- the company is fraudulently engaging in unfair and unconscionable practices against the consumer to adverse affects FCRA 611 ( 15 usc 1681 ) - company is willfully failing to comply with reporting requirements of the Fair Credit Reporting Act ( \" FCRA '' ) even though the company advertises it's support/compliance of the FCRA on its website https : //www.earlywarning.com/consumer-information 15 usc 1681a ( p ) - company is a credit reporting agency that as described even though it fraudulently pretends not to be 15 usc 1681c-1 - guarantees consumer to the right to request a security freeze to prohibit CRA 's such as company from sharing consumer 's information and the company has 3 business days after receiving mail request to place the freeze for free. the company has not placed the freeze in 6 months. the company must also within 5 business days after placing the freeze deliver confirmation of freeze. obviously it has not.\n\n15 usc 1681c-1 ( 6 ) - requires all consumer reporting agencies, such as company, to establish and maintain a webpage that allows consumers ( 1 ) request a security freez ; ( 2 ) allows requests for an initial fraud alert ; ( 3 ) allows requests for an extended fraud alert ; ( 4 ) allows for a request of an active duty fraud alert ; ( 5 ) allows for a opt-out of the use of consumer information in a consumer report, in accordance with 15 usc 1681m ( d ), ( 6 ) consumer reporting agencies must establish other means to request a security freeze 15 usc 6802 ( a ) - prohibits the sharing of consumer 's nonpublic personal information unless consumer has been given proper notice in compliance with 15 usc 6803. consumer has never received any notice regarding the sharing of consumer 's personal data. \n\n15 usc 6802 ( b ) - guarantees consumer to the right to opt-out ( section is literally called opt out ) of the sharing of nonpublic personal information unless ( 1 ) the sharing person clearly and conspicuously discloses to consumer, in writing or electronic form or other form permitted under 15 usc 6804, that such information may be shared ; ( 2 ) the consumer is given the opportunity, before the sharing of of information initially begins, to direct that such information not be disclosed ; and ( 3 ) the consumer is given a clear and conspicuous explanation on how the consumer can exercise the nondisclosure options 15 usc 6803 - requires that consumer be given clear and conspicuous notice of disclosure at the very begining of any credit transaction so that consumer can exercise his opt-out options and consumer has never received such notice, hence is the reason why company has violated consumer 's rights to privacy and has violated all of the legal requirements of law that guarantees consumer 's rights to : security freeze, opt-out of sharing nonpublic personal information, prohibiting the sharing of particular information, privacy, FCRA rights, ECOA rights, etc.\n\n15 usc 6809 ( 4 ) - defines nonpublic personal information as personally identifiable financial information ( 1 ) provided by a consumer to a financial institution ; ( 2 ) resulting from any transaction with the consumer or any service performed for the consumer. consumer interprets this as balances, late payments, chargeoffs, open and closed accounts, collections, social security account number, monthly payments 15 usc 1681m ( d ) - guarantees consumer the right to prohibit the sharing of any information in any consumer credit transaction 15 usc 1681b ( c ) ( 1 ) - prohibits consumer reporting agencies, such as company, from furnishing account details without consumer 's explicit authorization 15 usc 1681 section 604 A - prohibits consumer reporting agencies, such as company, from furnishing account details without consumer 's explicit written instructions 15 usc 1681b ( c ) ( 2 ) - limits the information that credit reporting agencies may furnish to ( 1 ) name and address ; ( 2 ) and identifier that is not unique to the consumer and that is used by the receiving entity solely for the purposes of verifying the consumers identity ; and ( 3 ) information pertaining to the consumer that does not identify the relationship or experience of the consumer with respect to any particular creditor or other entity 15 usc 6801 et. seq. - guarantees consumer has the right to opt-out of the sharing of consumer 's financial information to any unaffiliated third parties, with the statute even requiring that company gives notice and an opportunity to consumer opt out from such disclosures 12 cfr 1022.22 ( b ) - guarantees consumer has the right to opt-out of the sharing of consumer 's financial information to any unaffiliated third parties, with the statute even provides that an opt-out period that does not expire unless revoked by the consumer can be established 15 usc 1681a ( k ) - consumer has suffered adverse actions based off of the inaccuracies reported on my consumer report generated by this company without consumer 's knowledge or permission in the amount of {>= $1,000,000}, which is a willful violation of the FCRA and Truth In Lending Act ( \" TILA '' ) 15 usc 1681a ( k ) - consumer 's interpretation of the law is adverse action against consumer is illegal 15 usc 1681n ( a ) - allows consumer to hold company civilly liable for damages for noncompliance in amounts equal to the sum of : ( 1 ) actual damages {>= $1,000,000}, for noncompliance ; ( 2 ) punitive damages ; ( 3 ) reasonable attorney 's fees and costs 15 usc 1681o ( a ) - allows consumer to hold company civilly liable for damages for noncompliance in amounts equal to the sum of : ( 1 ) actual damages {>= $1,000,000}, for negligent noncompliance ; ( 2 ) punitive damages ; ( 3 ) reasonable attorney 's fees and costs 42 usc 1981 - guarantees consumer has equal rights under the law, rights which have been unfairly stripped away by company 12 usc 3401 et. seq. - guarantees consumer 's right to finanical privacy 15 usc 1691 ( a ) - prohibits and makes it unlawful for company to engage in discriminatory practices in any credit transaction on the basis of race, color, religion, national origin, sex, marital status, or age, or because the applicant has in good faith exercised any right. company has unfairly discriminated against consumer on these basis.\n\n15 usc 1691e - allows consumer to hold company civilly liable for damages for noncompliance in amounts equal to the sum of : ( 1 ) actual damages {>= $1,000,000}, for noncompliance ; ( 2 ) punitive damages {$10000.00}, ; ( 3 ) equitable and declaratory relief ( 4 ) reasonable attorney 's fees and costs 31 cfr 1.32 - makes it unlawful for consumer to be denied anything, even if i refuse to furnish my social security account card 26 usc 301.7701-11 - consumer 's social security account card is a account according to law 26 usc 6109 - consumer 's social security account card is a account according to law 15 usc 1602 ( l ) - consumer 's social security account card is a credit card according to law 12 cfr 1002.2 ( k ) - consumer 's social security account card is a credit card according to law 15 usc 1602 ( p ) - use of consumer 's social security account card, a credit card, without fair and equitable benefit to the consumer is unauthorized use of consumer 's credit card, which is unlawful and felony fraud because consumer has never received a benefit for the company 's unauthorized use of consumer 's credit card 12 cfr 1002.2 ( c ) - consumer has suffered adverse actions based off of the inaccuracies reported on my consumer report generated by this company without consumer 's knowledge or permission in the amount of {>= $1,000,000}, which is a willful violation of the FCRA and Truth In Lending Act ( \" TILA '' ) 15 usc 1640 - allows consumer to hold company civilly liable for damages for noncompliance in amounts equal to the sum of : ( 1 ) actual damages {>= $1,000,000}, for noncompliance ; ( 2 ) reasonable attorney 's fees and costs 15 usc 1644 - criminally penalizes company {$10000.00} and imprisons persons affiliated with the fraudulent use of consumer 's credit card for 10 years 15 usc 1611 - criminally penalizes company {$5000.00} and imprisons persons affiliated with providing false information or for noncompliance for one year when they are in willful and knowning violation 18 usc 1028A - criminally penalizes and imprisons all persons affiliated with knowingly transferring, possessing, using, without lawful authority, any means of identification of another person, in addition to the penalities provided for such illegal use, an additional 2 years. consumer has never given this company nor any other company consent to report consumer 's private and nonpublic personal information as consumer has never provided explicit and/or verbal permission to report this information. this is blatant identity theft. \n\n15 usc 1681a ( d ) ( 2 ) ( A ) ( i )- the consumer/credit report generated by company is a willful violation of this code because it contains information relating to transactions and/or experiences between consumer and persons making reports to company and company is expressly prohibited by law from sharing such information 15 usc 1681a ( d ) ( 2 ) ( A ) ( ii ) - the consumer/credit report generated by company is a willful violation of this code because the company is under common ownership or affiliated by corporate control of XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX availabe https : //www.earlywarning.com/press-release/us-banks-unite-form-industry-leading-secure-real-time-payments-network # : ~ : text=Early % 20Warning % 20is % 20owned % 20by % 20XXXX % 20XXXX % 20XXXX % 2C, businesses % 20and % 20consumers % 20to % 20transact % 20securely % 20and % 20conveniently. ) or XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX ( available https : //www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/early-warning-services/ # : ~ : text=Assists % 20financial % 20institutions % 2C % 20check % 20acceptance % 20companies % 20such % 20as, XXXX % 2C % 20XXXX % 20XXXX  % 2C % 20XXXX % 20XXXX % 20and % 20XXXX % 20XXXX. ) 15 usc 1681a ( d ) ( 2 ) ( iii ) - XXXX XXXX XXXX, one of the six or seven co-owners of company, failed to clearly and conspicuously disclose that it is owner of company, that it would use information generated by company to take adverse actions against consumer, failed to clearly and conspicuously disclose that information that is within company 's possession may be communicated to such persons, and failed to clearly and conspicuously disclose that consumer would be given the opportunity to direct that such information not be communicated among such person before the information has been initially communicated. \n\nI have never received clear and conspicuous documentation from company detailing my rights in regards to credit reporting and my rights to opt-out and/or prohibit the sharing of my private and non public information prior to my complaint with the company and with the bureau. \n\n12 cfr 1002.9 - consumer 's interpretation of the law is that adverse action against consumer is illegal 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) MOST RECENTLY AMENDED XXXX XXXX XXXX Regulation B protects applicants from discrimination in any aspect of a credit transaction. \n( as displayed on CFPB webpage https : //www.consumerfinance.gov/rules-policy/regulations/1002/ ) 15 usc 6821 - prohibits the obtaining, attempt to obtain, disclosing, attempt to cause to be disclosed, to any person, customer information by ( 1 ) making false, fictitious, or fraudulent statements or misrepresentations to an financial institution or its agents ; ( 2 ) by making false, fictitious, or fraudulent statements or misrepresentations to a customer ; ( 3 ) by providing any document to an agent of a financial institution, knowing that the document is either forged, counterfeit, lost, stolen, was fraudulently obtained, or contains false, fictitious, or fraudulent statements or misrepresentations. company and the persons that report to company have never obtained my explicit or verbal consent to compile my nonpublic personal information into public report to be disseminated amongst nonaffiliated persons 15 usc 6823 - criminally penalizes company and persons affiliated with the obtaining/disseminating fraudulently obtained information pursuant to title 18, including 18 usc 3571 , where 18 usc 3571 ( d ) doubly penalizes any pecuniary gain to the perpetrator/violator or any pecuniary loss to any person, including individuals, and imprisons them for five years.\n\nThe Consumer Financial Protection Bureau has confirmed that all credit reporting agencies are subject to these legal requirements. \n\nOther consumer reporting agencies have followed the regulations of these acts and allowed me to engage in and enforce my rights without fail.","date_sent_to_company":"2022-12-26T21:14:01.000Z","issue":"Problem with fraud alerts or security freezes","sub_product":"Credit reporting","zip_code":"75231","tags":null,"has_narrative":true,"complaint_id":"6363044","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2022-12-26T20:07:01.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["provided for such <em>illegal</em> use, an additional 2 years. consumer has never given this company nor any other company consent to <em>report</em> consumer 's private and nonpublic <em>personal</em> <em>information</em> as consumer has never provided explicit and/or verbal permission to <em>report</em> this <em>information</em>. this is blatant identity theft. \n\n15 usc 1681a ( d ) ( 2 ) ( A ) ( i )- the consumer/credit <em>report</em> generated by company is a willful violation of this code because it contains <em>information</em> relating to transactions and/or"],"product":["Credit <em>reporting</em>, credit repair services, or other <em>personal</em> consumer reports"],"company":["Early <em>Warning</em> Services, LLC"],"sub_product":["Credit <em>reporting</em>"]},"sort":[11.180092,"6363044"]},{"_index":"complaint-public-v1","_id":"9741599","_score":10.90654,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I have requested to opt out of consumer reporting agency XXXX XXXX XXXX XXXXheir website advertises : *In accordance with the Fair Credit Reporting Act, your consumer report will be sent to you within 3 calendar days if you notify Early Warning that you have been a victim of identity theft and you provide the information required by the Act. \n\nXXXX I have requested my consumer report and have not received any copy physical or electronicXXXX Early Warning Services , LLC XXXX a financial services technology leader, has been empowering and protecting consumers, small businesses, and the XXXX XXXX system with cutting-edge fraud and payment solutions for more than three decades. We are also the company behind Zelle, and the soon-to-launch XXXX, a wallet that reimagines e-commerce payments. Early Warning partners with more than 2,500 banks and credit unions to increase access to financial services and products, and protect financial transactions. \n\n\nLooking for Consumer Report Information? Early Warning supports consumers ' rights to dispute and corrects inaccurate or incomplete information. \n\n\nHow to Check Your Banking History I requested to opt out of their consumer reporting services ( that they advertise ) and they sent me the letter attached EARLY WARNING SERVICES IS IN VIOLATION OF THE FOLLOWING Act applies 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. As you can see there is a need to protect your right to privacy. Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( XXXX ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX transferred my application to third parties that compensated them which means they received benefits, see : pg. S-27 of their Prospectus Reporting Transaction history is illegal 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If you chose to list that in your complaint YOU MUST provide the information listed above. Identity theft reports can be filed with the Federal Trade Commission on their website 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they wilfully violated the act you are entitled to at least XXXX $ per violation plus any other damages you have sustained as a result of their failure to follow the law. If you have to file more than 1 complaint, wilful noncompliance can easily be proven as they had a full understanding of the violations after you complained the 1st time. Every company in their agreements with consumers said they would follow the law and agreed to do so.They are aware that they are breaking the law. 15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid. Those are a few violations of the Fair Credit Reporting Act that you can use in your complaint against not only the reporting agencies but the furnisher of that information to them. Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974 Opt Out Laws PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15. Every company owes you a privacy notice before they furnish any information to our consumer report 12 CFR 1016.4 Initial privacy notice to consumers required. ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( i ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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. ( b ) Opt out ( 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. Once again they must give you an opt out notice for anything that is to be added to your consumer report. 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, You have the right to opt out of anything on your report at any time and the companies must comply as soon as reasonably practicable after you send them a notice.","date_sent_to_company":"2024-08-09T14:55:11.000Z","issue":"Credit monitoring or identity theft protection services","sub_product":"Credit reporting","zip_code":"28562","tags":null,"has_narrative":true,"complaint_id":"9741599","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Early Warning Services, LLC","date_received":"2024-08-07T14:43:33.000Z","state":"NC","company_public_response":null,"sub_issue":"Problem canceling credit monitoring or identify theft protection service"},"highlight":{"complaint_what_happened":["S-27 of their Prospectus <em>Reporting</em> <em>Transaction</em> history is <em>illegal</em> 15 U.S. Code 1681b - Permissible purposes of consumer <em>reports</em> Subject to subsection ( c ), any consumer <em>reporting</em> agency may furnish a consumer <em>report</em> under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates."],"product":["Credit <em>reporting</em> or other <em>personal</em> consumer reports"],"company":["Early <em>Warning</em> Services, LLC"],"sub_product":["Credit <em>reporting</em>"]},"sort":[10.90654,"9741599"]},{"_index":"complaint-public-v1","_id":"13943973","_score":10.695301,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Identity Theft Dispute and Final Legal Demand for Removal of Fraudulent Truist Credit Card Account To Whom It May Concern, I am writing to dispute and demand the immediate removal of a fraudulent Truist credit card account currently appearing on my Equifax credit report. This account was opened without my knowledge, authorization, or consent and is the direct result of identity theft following the well-documented XXXX Equifax data breach, which compromised my personal identifying information. \n\nEquifax Data Breach and Its Consequences As you are aware, Equifax suffered a massive data breach in XXXX affecting over XXXX XXXX consumers. I was formally notified that I was among the breach victims, and the exposure of my personal informationincluding my full name, date of birth, Social Security number, and addressdirectly enabled a third party to fraudulently open this XXXXXXXX XXXX XXXX account in my name. \n\nDocumentation Provided in Accordance with FCRA 1681c-2 Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have submitted to Equifax the required identity theft documentation : A formal Identity Theft Report filed with the Federal Trade Commission ( FTC ) ; A copy of my U.S. Passport for identity verification ; A utility bill verifying my current address ; A signed letter affirming that the Truist credit card was fraudulently opened.\n\nDespite Equifaxs legal obligation to block the fraudulent information within 4 business days of receiving this documentation, the account remains active on my credit report. This is a clear and ongoing violation of federal law.\n\nLegal Requirements and Violations Per 15 U.S.C. 1681c-2 ( a ) : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft ... not later than 4 business days after the receipt by such agency of ( i ) appropriate proof of the identity of the consumer ; ( ii ) a copy of an identity theft report ; ( iii ) the identification of such information by the consumer; and ( iv ) a statement by the consumer that the information is not information relating to any transaction by the consumer. \n\nEquifax is in violation of this statute by failing to block the fraudulent XXXX credit card account. \n\nFurthermore, it is illegal under the FCRA for a credit reporting agency to continue reporting disputed identity theft accounts while waiting for a response from the creditor or conducting an internal reinvestigation. \n\nXXXX XXXX : XXXX v. XXXX, XXXX. XXXX ( XXXX. XXXX XXXX ) : The court ruled that a credit reporting agency must block identity theft information immediately upon valid documentationregardless of the data furnisher 's response. \n\nFinal Legal Notice Before Lawsuit This letter shall serve as your final warning. If Equifax does not remove the fraudulent XXXX credit card account from my credit immediately, I will pursue legal action under : 15 U.S.C. 1681n Willful noncompliance with the FCRA ( entitling me to actual, statutory, punitive damages, and legal costs ) ; 15 U.S.C. 1681o Negligent noncompliance ( allowing recovery of damages and attorneys fees ) ; 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy.\n\nI will also submit formal complaints to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office Relevant Case : In re Equifax , Inc . XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX ( XXXX XXXX XXXX ) : Equifax settled for {$570.00} XXXX for its role in compromising consumer data and has accepted liability for misuse arising from that breach. \n\nDemand for Immediate Action To resolve this matter, I demand that Equifax : Immediately and permanently block and delete the fraudulent Truist credit card account ; Issue written confirmation of the removal ; Cease all reporting of this account to third parties ; Fully comply with your obligations under the FCRA. \n\nFailure to act will result in litigation for multiple FCRA violations, plus damages directly tied to Equifax 's failure to prevent the original breach. \n\nSincerely, [ Your Full Name ]","date_sent_to_company":"2025-06-06T13:11:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"64134","tags":null,"has_narrative":true,"complaint_id":"13943973","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, 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