the term consumer report does not include ( A ) subject to section 1681s3 of this title

201 consumer complaints filed with the CFPB

This page summarizes consumer complaints about the term consumer report does not include ( A ) subject to section 1681s3 of this title products filed with the CFPB. 201 complaints have been filed across 64 companies. The most commonly reported issue is "if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity".

201
Total Complaints
64
Companies
if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity
Top Issue

Companies with Most the term consumer report does not include ( A ) subject to section 1681s3 of this title Complaints

# Company Complaints
1 and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title 51
2 isnt that a transaction? Isnt that an experience? If theres a charge off on my report isnt that an experience. If a have a collection account on my consumer report isnt that an experience or transaction? The answer is YES!!!! 31
3 cooperative 12
4 and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). 12
5 and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 7
6 and such person makes the disclosures to the consumer required under section 1681m of this title ; Pursuant to Federal Law 15 USC 1681 B My personal information is not to be furnished on any consumer report or with anyone without my written instruction. This is a willful violation of my Federal Rights as a consumer. 4
7 that means a late payment can not exist because that is part of the transaction. By law thi is being reported unlawfully and fraudulently. Therefore 4
8 but not limited to 3
9 that specific information is inaccurate ; and ( ii ) the information is 3
10 unless : ( 1 ) You have provided to the consumer a clear and conspicuous revised notice that accurately describes your policies and practices ; ( 2 ) You have provided to the consumer a new opt out notice ; ( 3 ) You have given the consumer a reasonable opportunity 3
11 and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ],Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS 3
12 40 3
13 and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] 3
14 and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ],,EQUIFAX 3
15 and respect for the consumer 's right to privacy. As a consumer 2
16 and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies 2
17 or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However 2
18 directly or through any affiliate 2
19 and such person makes the disclosures to the consumer required under section 1681m of this title ; ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] these account they are holding for some reason when I did my homework find out these companies never reach out or did not do proper fair Investagation on my file in making sure they had accurate information reporting. they were neglect in handling my personal information which each companies has data breach and file to notify me of so. im seeking finanical relife from each companies seeking damages for emotional stress and risk I had took with my children everyday I had to spend on the phone to clear my name and denial for housing for my childrenb ) Penalties and liabilities. 2
20 and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1,,EQUIFAX 2
21 the debt collector shall not communicate further with the consumer with respect to such debt 2
22 that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity 2
23 and such person makes the disclosures to the consumer required under section 1681m of this title ; Pursuant to Federal Law 15 USC 1692 C 2
24 and a respect for the consumers right to privacy.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,CA,94585,,Consent provided,Web,2024-05-14,Closed with explanation,Yes,N/A,9010693 1
25 and such person makes the disclosures to the consumer required under section 1681m of this title ; ( D ) a communication described in subsection ( o ) or ( x ). [ XXXX ] these account they are holding for some reason when I did my homework find out these companies never reach out or did not do proper fair Investagation on my file in making sure they had accurate information reporting. they were neglect in handling my personal information which each companies has data breach and file to notify me of so. im seeking finanical relife from each companies seeking damages for emotional stress and risk I had took with my children everyday I had to spend on the phone to clear my name and denial for housing for my childrenb ) Penalties and liabilities. 1
26 verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. All versions of names except my only Name XXXX XXXX XXXX XXXX All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL OTHER locations or addresses are UNMAILABLE 1
27 and such person makes the disclosures to the consumer required under section 1681m of this title ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ) 1
28 and a respect for the consumers right to privacy.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS 1
29 may not be included in any consumer report! Including ( 12 ) late payments and adding any reference to late payment history is in direct violation of 15 USC 1681a 2 and my consumer rights! 1
30 and a respect for the consumers right to privacy.,,EQUIFAX 1
31 and such person makes the disclosures to the consumer required under section 1681m of this title; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] my right are bring violated i would like to also know that i gave them a written concent to remove all reporting they have as sage stream.,,LEXISNEXIS,CA,92392,,Consent provided,Web,2024-04-15,Closed with explanation,Yes,N/A,8775856 1
32 isnt that a transaction? Isnt that an experience? If theres a charge off on my report isnt that an experience. If a have a collection account on my consumer report isnt that an experience or transaction? The answer is YES!!!! Congress has already said none of these EXCLUSIONS listed above should appear on my Consumer Credit Report. Please DELETE IMMEDIATELY! The Credit Bureaus did not conduct a proper investigation '' according to the FCRA 15 USC 1681 which is a Violation. This was never done!! The CRAs are supposed to notify me of who they interviewed after the investigation is over. Just like the FBI conducts interviews of your neighbors request information concerning me meaning investigative consumer report this is what suppose to be done but never is. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character 1
33 inaccurate. 1
34 and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] Please remove this account!!,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS 1
35 and such person makes the disclosures to the consumer required under section 1681m of this title ; or,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS 1
36 dues 1
37 XX/XX/XXXX 1
38 and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ],Company believes it acted appropriately as authorized by contract or law,NAVY FEDERAL CREDIT UNION,IL,60634,,Consent provided,Web,2023-12-20,Closed with explanation,Yes,N/A,8030513 1
39 and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] Please remove this account!!,,EQUIFAX 1
40 and such person makes the disclosures to the consumer required under section 1681m of this title ; or,,EQUIFAX 1
41 verbal and non-verbal per 15 USC 6802-6805. Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. All versions of names except my only Name XXXX XXXX XXXX XXXX All other versions are in violation. There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX XXXX 1
42 and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] 15 U.S. Code 1666a & 15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account 1
43 and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection,,DriveTime,MO,63136,,Consent provided,Web,2023-01-12,Closed with explanation,Yes,N/A,6430899 1
44 and such person makes the disclosures to the consumer required under section XXXX681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] Please remove this account!!,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,PA,19139,,Consent provided,Web,2023-10-18,Closed with non-monetary relief,Yes,N/A,7722339 1
45 coupon book or other credit device existing for the purpose of obtaining money 1
46 and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). 15 USC 1681Q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency un 1
47 NEVER LATE. 1
48 and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] 18 U.S. Code 242 - Deprivation of rights under color of law Whoever 1
49 ( 6 ) 1
50 it means expressing possibility or expressing permission. In other words 1

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows for the term consumer report does not include ( A ) subject to section 1681s3 of this title

201 consumer complaints have been filed with the CFPB under the "the term consumer report does not include ( A ) subject to section 1681s3 of this title" product category, naming 64 distinct companies as the respondent. Product-level complaint counts are one of the most direct signals of where consumer friction is concentrated in the U.S. financial system — the CFPB routes each filing to the specific regulatory framework that governs its product class, so the volume here reflects real intake into federal and state consumer-protection channels, not casual survey sentiment.

Within the term consumer report does not include ( A ) subject to section 1681s3 of this title, the single most common underlying consumer complaint is "if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity". Issue concentration inside a product category is often more diagnostic than headline volume: when one issue dominates filings, it usually points to a recurring servicing, billing, reporting, or collection pattern that touches many providers at once. The table above ranks individual companies by filing volume within this product line and includes their timely-response rate and the share of cases closed with relief — two operational metrics that help separate firms handling complaint intake smoothly from those where resolutions stall or get disputed.

Complaint volume scales with market share — the largest issuers and servicers in a category will naturally generate more filings than smaller peers even at identical complaint rates per customer. A complaint on record is a consumer allegation, not a proven violation, and a company's presence here does not imply it broke any law. Use this page to understand the contour of consumer concerns around the term consumer report does not include ( A ) subject to section 1681s3 of this title, then drill into specific companies and cross-check against the CFPB Consumer Complaint Database. This page is informational only and is not financial, legal, or regulatory advice.

Data source: CFPB Consumer Complaint Database. Product categories are defined by the CFPB. Complaint counts reflect consumer-reported data and do not imply wrongdoing by any company.

Read our methodology — how this data is sourced, computed, and verified.

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