Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #10174287
Complaint Overview
Complaint ID: 10174287
Company: First Financial Resources, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Massachusetts
ZIP Code: 02760
Date Received: 2024-09-18T12:00:00-05:00
Date Sent to Company: 2024-09-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Formal Identity Theft and Unauthorized Collection Complaint Against XXXX and XXXX Immediate Deletion of All Unauthorized Collections Due to Data Breach and Lack of Permissible Purpose Dear **Consumer Financial Protection Bureau** , I am filing a formal complaint against both **XXXX** and **XXXX** for their involvement in a data breach that has resulted in the unauthorized use of my personal information and the reporting of collections on my credit report without my explicit permission or any permissible purpose. This is a severe violation of my rights under the **Fair Credit Reporting Act ( FCRA ) ** and has caused significant harm to my credit and financial standing. # # # Issues Addressed : 1. **Identity Theft and Data Breach** : - Both **XXXX** and **XXXX** have exposed my **Social Security number, date of birth**, and other personal information to unauthorized third parties, allowing fraudulent activities and data breaches to occur. Despite my repeated requests to protect my personal data, they have failed to take adequate measures, directly resulting in these breaches and subsequent identity theft. XXXX. **Unauthorized Collection Entries** : Due to this data breach and the lack of a permissible purpose, all of the following collection accounts are unauthorized and should never have been reported : - **XXXX XXXX XXXX XXXX XXXXXXXX : XXXX reports a collection with a balance of {$2200.00}, which I have no knowledge of. This debt was reported without my consent or any permissible purpose. - XXXX XXXXXXXX XXXX XXXX XXXX ** : Both XXXX and XXXX report a collection with a balance of {$620.00}, increasing to {$830.00}. I have no knowledge of this debt, and no permission was given to report it. - **Additional Collection BalancesXXXX : XXXX shows additional collections with balances of ** $ XXXX, ** $ XXXX, and ** $ XXXX. These debts have been reported without any valid verification or permissible purpose, and I do not recognize any of these collections. # # # **Violation of Privacy and FCRA** : - Both **XXXX** and **XXXX** are violating **15 U.S.C. 1681b**, which restricts the sharing of consumer information without permissible purpose or consumer consent. By allowing these unauthorized collection accounts to be reported on my credit file, the agencies are in breach of this provision of the FCRA. - These accounts should have never been reported, as they are a direct result of the data breach and misuse of my personal information by third parties.
Frequently Asked Questions
What is Complaint #10174287 about?
Complaint #10174287 was filed against First Financial Resources, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-09-18T12:00:00-05:00.
How did First Financial Resources, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against First Financial Resources, INC.?
Yes, visit the First Financial Resources, INC. company profile at readthecomplaint.com/company/first-financial-resources-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.