Product: Credit reporting or other personal consumer reports

Formal CFPB Response to XXXX Blatant Disregard for Violations Consumer : XXXX XXXX Date : XXXX XXXX, 2025 Subject : XXXX Willful Non-Compliance, Violations of Privacy, and Continued Unlawful Data Selling To Whom It May Concern, I am formally responding to XXXX ' blatantly inadequate and deceptive reply to my Consumer Financial Protection Bureau ( CFPB ) complaint regarding their continued unauthorized sale of my private information, failure to remove disputed data, and refusal to acknowledge their ongoing violations of consumer protection laws. 

XXXX is intentionally stalling and obstructing my rightful request to have my personal data removed, knowingly violating my privacy rights and secured party status while continuing to profit from selling my information to credit bureaus and third parties without my explicit consent. 

Your response is not only unacceptable but an outright attempt to evade legal accountability, and I demand immediate corrective action before further regulatory escalation. 

1. XXXX Blatant Violations & Unclean Hands XXXX can not claim they are unable to verify my identity when : Your letter to me includes my full name and mailing address. 
The CFPB provided you with my last four Social Security digits, date of birth, and complaint details.

You are actively selling my personal data to credit bureaus, proving you already possess and distribute my information.

Your claim of an identity verification issue is an intentional stalling tactic and a blatant example of unclean hands, violating : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( Unauthorized disclosure and sale of my personal information ).

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6827 ( Prohibits unauthorized sale of consumer financial information ).

New York SHIELD Act ( N.Y. Gen. Bus. Law 899-bb ) ( Mandates data protection and restricts unauthorized use of personal information ).

Your response selectively addresses only identity theft while completely ignoring my broader dispute of XXXX ' unlawful practices, proving deliberate evasion of accountability. 

2. XXXX Must Immediately Cease Selling My Data Without My Consent XXXX continues to profit from the unauthorized sale of my information to credit bureaus and third parties without my consent, violating : FCRA 1681b ( a ) Permissible Purposes for Data Usage XXXX has no permissible purpose to sell my information to credit bureaus or third parties without my express authorization. 
GLBA 6801 Consumer Privacy Protections The sale of my data without my written authorization is a direct violation of federal law.

Your refusal to immediately halt the sale of my private financial and personal data is an ongoing privacy breach, legal violation, and outright negligence.

3. Immediate Demands for Corrective Action Permanently Delete My Personal Information from Your Databases & Stop Selling My Data Cease all unauthorized sales and disclosures of my personal, financial, and credit-related information immediately. 
Provide Written Confirmation That My Data Has Been Fully Removed This includes any XXXX-owned or affiliated databases and data-sharing agreements. 
Acknowledge Your FCRA & GLBA Violations and Provide a Compliance Plan Explain in writing how XXXX intends to correct its ongoing disregard for privacy laws. 
Confirm That No Further Attempts to Stall or Obstruct My Dispute Will Occur Any continued delay tactics will result in legal and regulatory escalation. 
4. Next Steps If XXXX Fails to Comply If XXXX fails to comply within 15 days, I will : Escalate this complaint to the Federal Trade Commission ( FTC ), New York Attorney General, and additional regulatory agencies for further enforcement action. 
Pursue legal action for unauthorized data sale, consumer privacy violations, and financial harm. 
Expose XXXX deceptive and unlawful business practices in additional public and legal forums. 

Your deliberate attempts to stall, mislead, and unlawfully sell consumer data without consent are unacceptable and will not be tolerated. You have 15 days to comply. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX Phone : XXXX