Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8016290
Complaint Overview
Complaint ID: 8016290
Company: Earnest 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: Colorado
ZIP Code: 816XX
Date Received: 2023-12-17T12:00:00-05:00
Date Sent to Company: 2023-12-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The Fair Credit Reporting Act 15 USC 1681 section 602 states that 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. I am the consumer and XXXX, XXXX, and XXXX are the consumer reporting agencies. It is my right to make sure that my information is private and isnt shared. This is backed by the 15 USC 6801 which states It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers public personal information. Earnest is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states In general Subject to subjection ( 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. Earnest the financial institution and the consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they do not have my written consent. Any and all consent to XXXX, XXXX, XXXX and the financial institution Earnest is revoked whether it be verbal, nonverbal, written, or implied. 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. Earnest has never informed me of my right to exercise my nondisclosure option. Reporting transaction history is illegal. According to USC 15 1681a the consumer report does not include " A report containing information solely as to transactions or experiences between the consumer and the person making the report ; ''
Frequently Asked Questions
What is Complaint #8016290 about?
Complaint #8016290 was filed against Earnest INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-12-17T12:00:00-05:00.
How did Earnest 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 Earnest INC.?
Yes, visit the Earnest INC. company profile at readthecomplaint.com/company/earnest-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.