Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Failure to Conduct Full Investigation and Address Initial Concerns by XXXX XXXX XXXX and XXXX XXXX  To Whom It May Concern, I am filing this complaint to address my concerns regarding the inadequate investigation conducted by XXXX XXXX XXXX and XXXX XXXX  in response to my previous CFPB complaint ( # XXXX ). This is a serious matter and not frivolous. I believe my initial concerns were not properly addressed, and there is evidence suggesting violations of federal laws and regulations that require immediate attention. 

Details of the Issue Failure to Conduct a Full Investigation : XXXX XXXX XXXX claims to have conducted an investigation into my concerns. However, their response did not address all the issues raised in my initial complaint. Specifically : They failed to provide evidence supporting their claim that my nonpublic personal information was not disclosed improperly or unlawfully. 
They did not address whether my opt-out request under 15 U.S.C. 6802 was honored by the original creditor ( XXXX XXXX XXXX  ) or the current owner ( XXXX XXXX ). 
Failure to Address Initial Complaints : My initial complaint outlined specific concerns regarding unauthorized disclosure of my nonpublic personal information to nonaffiliated third parties and the possible violation of my privacy rights. 
The response from XXXX XXXX XXXX merely reiterated account ownership details and collection rights without addressing the statutory violations I raised. 
Account Details and Disputes : The account in question was originated with XXXX XXXX XXXX  on XX/XX/XXXX, and charged off on XX/XX/XXXX. 
XXXX XXXX acquired the account on XX/XX/XXXX, and XXXX XXXX XXXX acts as the servicer. 
I opted out of all disclosures of my nonpublic personal information to nonaffiliated third parties, yet the account has been shared, reported to credit bureaus, and subjected to collection activities, which I believe violate federal laws. 
Statutory Violations Referenced 15 U.S.C. 6802 Prohibits disclosure of nonpublic personal information to nonaffiliated third parties without proper consent or opt-out compliance.

15 U.S.C. 6801 Requires financial institutions to safeguard customer privacy and secure personal information.

Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) Obliges furnishers of credit information to conduct reasonable investigations of disputes and maintain accurate reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX stated that their investigation found no evidence of mishandling or improper disclosures. However, their response failed to include sufficient documentation or details of the investigation process, leaving my concerns unaddressed. Furthermore, restricting communications on the account does not resolve the underlying issues regarding unauthorized disclosures and reporting. 

Actions Requested I respectfully request that the CFPB : Conduct a thorough investigation into whether XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX  have violated federal laws concerning the disclosure of nonpublic personal information and the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX and XXXX XXXX to provide detailed documentation of their investigation, including how they determined that no mishandling occurred. 
Ensure compliance with all applicable statutes, particularly concerning opt-out rights under 15 U.S.C. 6802.

Mandate full remediation of any unauthorized disclosures and inaccurate reporting, including the removal of the disputed tradeline if violations are confirmed.

This complaint is not frivolous. I am seeking to enforce my legal rights under federal privacy and consumer protection laws and to hold the parties involved accountable for any violations.