Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #4631516
Complaint Overview
Complaint ID: 4631516
Company: Schoolsfirst Federal Credit Union
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: California
ZIP Code: 90221
Date Received: 2021-08-15T12:00:00-05:00
Date Sent to Company: 2021-08-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Within XXXX of XXXX, SCHOOLSFIRST FEDERAL CREDIT UNION reported to XXXX that this writer made a payment 60 days late and reported to XXXX and XXXX that this writer made a payment 30 days late within the same month without this writers knowledge and written consent. This communication to XXXX XXXX and XXXX without this writers knowledge and written consent is a violation of 15 U.S.C. 1681a ( 2 ) ( iii ), 15 U.S.C. 1681 ( a ) ( 4 ) ( b ), 15 U.S.C. 1681b ( a ) ( 2 ) ( i ) ( ii ) ( iii ), 15 U.S.C. 1681a ( 3 ) ( e ), 15 U.S.C. 1681b ( 2 ) ( a ), 15 U.S.C. 1681a ( 2 ) ( b ), 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ). When I obtained knowledge of the communication I sent SCHOOLSFIRST FEDERAL CREDIT UNION a Cease and Desist Letter which they received on XX/XX/XXXX. This writer discovered on XX/XX/XXXX that the communication made by SCHOOLSFIRST FEDERAL CREDIT UNION regarding this writers payment status was deleted from XXXX XXXX and XXXX. However, this writer never received the remedy communicated for the above violations.
Frequently Asked Questions
What is Complaint #4631516 about?
Complaint #4631516 was filed against Schoolsfirst Federal Credit Union regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2021-08-15T12:00:00-05:00.
How did Schoolsfirst Federal Credit Union 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, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Schoolsfirst Federal Credit Union?
Yes, visit the Schoolsfirst Federal Credit Union company profile at readthecomplaint.com/company/schoolsfirst-federal-credit-union 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.