Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #9093982
Complaint Overview
Complaint ID: 9093982
Company: Possible Financial INC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Missouri
ZIP Code: 631XX
Date Received: 2024-05-24T12:00:00-05:00
Date Sent to Company: 2024-05-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX XXXX XXXX XXXXXXXX Dear POSSIBLEFINA, I am writing to address a significant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ), the Missouri Revised XXXX under Sections XXXX and XXXX, and identity theft fraud laws specific to XXXX XXXX XXXX Missouri. It has unequivocally come to my attention that POSSIBLEFINA has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section XXXX ( a ) ( XXXX ). In addition to federal law, Missouri state law, specifically XXXX XXXX, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section XXXX of the Missouri Revised Statutes establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws underscore the severity of unauthorized access and misuse of personal information. I assert with unwavering certainty that I have not provided consent for POSSIBLEFINA to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. I demand, with the utmost certainty, that POSSIBLEFINA immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and Sections XXXX and XXXX of the Missouri Revised Statutes. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, XXXX state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. I anticipate your immediate attention to this matter and expect that POSSIBLEFINA will promptly rectify these egregious violations, respecting my rights under federal and state laws. Done in good faith, XXXX XXXX
Frequently Asked Questions
What is Complaint #9093982 about?
Complaint #9093982 was filed against Possible Financial INC regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-05-24T12:00:00-05:00.
How did Possible Financial 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 Possible Financial INC?
Yes, visit the Possible Financial INC company profile at readthecomplaint.com/company/possible-financial-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.