Product: Credit reporting or other personal consumer reports

RE : FORMAL NOTICE TO CEASE AND DESIST UNAUTHORIZED USE AND DISSEMINATION OF PRIVATE INTELLECTUAL PROPERTY, PERSONAL DATA, AND INFORMATION To Whom It May Concern : This complaint serves as formal notice and demand that you, your officers, agents, employees, assigns, affiliates, contractors, and any associated third parties, immediately CEASE AND DESIST from brokering, disclosing, disseminating, publishing, selling, sharing, or otherwise distributing any and all of my private intellectual property, personal information, data, identifiers, or profiles in any form, without my explicit, knowing, and written consent. 

It has come to my attention that your organization, a Specialty Consumer Reporting Agency ( SCRA ), has engaged in the unauthorized compilation, use, and/or distribution of my personal and intellectual property, including but not limited to : name, likeness, biometric data, behavioral data, consumer habits, purchasing activity, online identifiers, geolocation, personal preferences, credit information, digital or analog metadata, and/or personally identifiable information ( PII ) or any derivative thereof. This unauthorized activity constitutes a blatant violation of my inherent privacy rights, intellectual property rights, and statutory protections under federal and state law. 

Furthermore, I hereby issue a full and final revocation of any and all implied, assumed, constructive, or unauthorized power of attorney that may have been fraudulently presumed or fabricated by your agency or any third party acting on your behalf. I have never knowingly or willingly granted you, or any entity associated with you, permission or lawful authority to act on my behalf in any legal, commercial, financial, or informational capacity. 

FORMAL OPT-OUT OF UNAUTHORIZED REPORTING AND DATA COLLECTION I am hereby exercising my right to formally and unequivocally OPT-OUT of any and all data collection, reporting, analysis, brokering, distribution, or storage activities involving my personal or intellectual property. I do not consent to the maintenance or use of any information or data pertaining to me, my household, or my digital or physical activity by your organization or any of your affiliates or third-party vendors. 

This opt-out includes, but is not limited to : All consumer reports and specialty consumer reports related to employment, insurance, medical records, tenant screening, utilities, check writing, or consumer behavior ; All data aggregation and tracking services performed without my consent ; Any ongoing or future inclusion of my data in reports, scores, marketing databases, or risk models of any kind. 

This opt-out applies to all forms of communication and data transfer, including electronic, verbal, written, automated, or inferred. 

You are therefore ordered to : Immediately cease and desist from collecting, sharing, selling, brokering, analyzing, or transferring any of my private information or intellectual property. 

Permanently delete and expunge all data, records, profiles, or derivatives related to me from your databases, internal systems, archives, and any affiliated or contracted third-party platforms. 

Refrain from future collection or use of my personal data or property in any capacity, unless and until you receive express written authorization from me personally, notarized and verifiable. 

Provide a full accounting within fifteen ( 15 ) calendar days from the date of this notice, detailing : All records or data in your possession relating to me, The sources from which you obtained this data, The parties with whom you have shared, sold, or brokered this information, The legal basis under which you claim authority to do so. 

Be advised that failure to comply with this demand will result in immediate escalation and the initiation of all available legal remedies, including but not limited to : civil litigation, complaints to federal and state regulatory bodies ( such as the CFPB, FTC, U.S. and State Attorney General ), pursuit of damages and injunctive relief, and claims under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Gramm-Leach-Bliley Act ( GLBA ), and relevant privacy and consumer protection laws. 

This letter is written without prejudice and does not waive any of my rights, remedies, or causes of action, all of which are expressly reserved.