Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8143892
Complaint Overview
Complaint ID: 8143892
Company: Citizens Financial Group, 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: Florida
ZIP Code: 320XX
Date Received: 2024-01-10T12:00:00-05:00
Date Sent to Company: 2024-01-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
These companies have unlawfully provided my information without obtaining my written consent, as explicitly required by 15 USC 1681B of the FCRA. It is imperative that you understand that I do not consent to the unauthorized furnishing of any of my information by any means, as delineated by my rights under the FCRA. The accounts are listed below: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, in light of the provisions stated in 15 USC 1692a(2) of the FDCPA, it is evident that the transmission of information regarding a debt, directly or indirectly, through any communication medium constitutes a "Communication." As per the literal interpretation of "any medium," this encompasses various forms of communication, be it oral, written, electronic, or others. Therefore, the act of furnishing my consumer report, which contains information about the alleged debt, constitutes a "Communication" under the FDCPA. In accordance with my rights outlined in 15 USC 1692c(c) of the FDCPA, I hereby provide you with formal notice to immediately cease all further communication pertaining to these accounts. This includes, but is not limited to, any form of contact such as telephone calls, emails, social media interactions, or any communication made through a Consumer Reporting Agency. Please be advised that any continued contact or communication from your company or its agents, except for a communication acknowledging receipt of this letter, will be viewed as a violation of the FDCPA. It is crucial that you take this notice seriously, as I am fully prepared to exercise my rights under the law. Failure to respect this cease-anddesist notice will leave me no choice but to pursue legal action against your company. Please understand that in any ensuing legal proceedings, I will seek all available remedies and potentially claim damages allowed. XXXX XXXX XXXX XXXX XXXX has violated the Billing Error and Practice Act in pursuant to 15 USC 1666. They never gave me the right to opt-out and are not reporting accurately. I want these accounts updated to paid as agreed and never late.
Frequently Asked Questions
What is Complaint #8143892 about?
Complaint #8143892 was filed against Citizens Financial Group, INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-01-10T12:00:00-05:00.
How did Citizens Financial Group, 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 Citizens Financial Group, INC.?
Yes, visit the Citizens Financial Group, INC. company profile at readthecomplaint.com/company/citizens-financial-group-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.