Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6878790

Complaint Overview

Complaint ID: 6878790

Company: Erc

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a credit reporting company's investigation into an existing problem

Sub-Issue: Their investigation did not fix an error on your report

State: North Carolina

ZIP Code: 275XX

Date Received: 2023-04-23T12:00:00-05:00

Date Sent to Company: 2023-04-23T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Enhanced Recovery Company ( opened XX/XX/XXXX ) {$150.00} XXXX XXXX XXXX ( opened XX/XX/XXXX ) {$550.00} XXXX XXXX ( opened XX/XX/XXXX ) {$630.00} In accordance with the Fair Credit Reporting Act, the companies listed above have violated my rights. 15 USC 1681 section 602 ( a ) states I have the right to privacy. 15 USC 1681 section 604 ( a ) states a consumer reporting agency can not furnish an account without written instructions. 15 USC 6801 states the protection of nonpublic information. The Fair Credit Reporting Act ( FCRA ) includes a section known as permissible purpose. It establishes the need for written consent or documentation from the consumer before a financial institution can pull the individual 's credit report. 15 USC 1681 ( 1 ) ( a ) ( b ) ( i ) ( 3 ) states a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer. A consumer may elect to have the consumers name and address excluded from any list provided by the consumer reporting agency under subsection ( c ) ( 1 ) ( b ) in connection with a credit or insurance transaction that is not initiated by the consumer. Please be advised that under Federal Statues, the Fair Credit Reporting Act ( 15 USC 1681 et seg ) and my consumer credit statutes and subtitles D of the ARRA, section 13401, Application of Security Provisions, and Penalties to Business Associates of covered entities and S.E.C. 13407 ( 1 ) BREACH OF SECURITY. The term " breach of security '' means, with respect to unsecured PHR identifiable health record acquisition of such information without the authorization of the individual you may be held liable. Please note that these liabilities are under the penalty rules of the Omnibus Finale Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH ) as issued XX/XX/XXXX. HIPPA and North Carolina 's medical privacy statutes and the provisions of the ARRA section D, privacy provisions, the penalty rules of the ( HITECH ) Act as issued XX/XX/XXXX and the Omnibus Finale Rule were effective XX/XX/XXXX and the Fact Act final rules XX/XX/XXXX, are in effect in this situation. The Privacy Act prohibits a covered entity from using or disclosing an individual 's Protected Health Information ( PHI ) unless specifically authorized by the individual or otherwise allowed under the Privacy Act.

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