Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Here are a list of all items in which are in violation of my federally protected consumer rights.
1. Address/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, Note this is a non-mailable
address.
2. Address/ XXXX XXXX XXXX XXXX XXXX XXXX, Nc XXXX Note This is a non-mailable 
address.
3. Address/ XXXX XXXX XXXX XXXX, Pa Note This is a non-mailable address
Here are the list of all Accounts in which are in violation of my federally protected consumer 
rights.
1. XXXX XXXX XXXX XXXX XXXX XXXX NOTE DATE ARE 
INCORRECT FOR ALL 3 CREDIT BUREAUS AND THERE ARE THREE DIFFENT ACCOUNT 
NUMBERS AND A VIALOTION OF THE EDUCATIONAL PRIVACY ACT OF 1974- 15 USC 6802 B1. THESE ACCOUNTS ARE TO BE REMOVED
2. XXXX XXXX XXXX NOTE SHOULD BE LISTED AS 
PAID AS AGREED THERE WAS NEVER ANY LATE PAY AND THIS IS A VIOLATION 
OF 15 USC 6802 B-1 IT IS ALSO UNLAWFUL TO REPORT TRANSACTION HISTORY
3. INQUIRIES ALL HARD AND SOFT INQUIRIES SHOULD BE REMOVE ASAP. THESE INQUIRIES 
ARE IN VIOLATION OF 15 USC 1681- 15 USC6803 B - 16 CFR PART 313.1-7
12/12/2020
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer Financial Protection Bureau
PO Box 27170. Washington, DC 20038
Violations of XXXX XXXX XXXX  Federal Protected consumer Rights 
The violator of XXXX XXXX Page Federal Protected Consumer Right is XXXX  Equifax 
and XXXX. Here are the rights and codes in which where violated listed below.
15 U.S. Code  6803 -
Disclosure of institution 
privacy policy
(a)DISCLOSURE REQUIREDAt the time of establishing a customer relationship with 
a consumer and not less than annually during the continuation of such relationship, 
a financial institution shall provide a clear and conspicuous disclosure to such consumer, in 
writing or in electronic form or other form permitted by the regulations prescribed 
under section 6804 of this title, of such financial institutions policies and practices with 
respect to
(1)
disclosing nonpublic personal information to affiliates and nonaffiliated third parties, 
consistent with section 6802 of this title, including the categories of information that may 
be disclosed;
(2)
disclosing nonpublic personal information of persons who have ceased to be customers of 
the financial institution; and
(3)
protecting the nonpublic personal information of consumers.
(b)REGULATIONS
Disclosures required by subsection (a) shall be made in accordance with the regulations 
prescribed under section 6804 of this title.
(c)INFORMATION TO BE INCLUDEDThe disclosure required by subsection (a) shall include
(1)the policies and practices of the institution with respect to disclosing nonpublic 
personal information to nonaffiliated third parties, other than agents of the institution, 
consistent with section 6802 of this title, and including
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(A)
the categories of persons to whom the information is or may be disclosed, other than the 
persons to whom the information may be provided pursuant to section 6802(e) of this 
title; and
(B)
the policies and practices of the institution with respect to disclosing of nonpublic personal 
information of persons who have ceased to be customers of the financial institution;
(2)
the categories of nonpublic personal information that are collected by the financial 
institution;
(3)
the policies that the institution maintains to protect the confidentiality and security 
of nonpublic personal information in accordance with section 6801 of this title; and
(4)
the disclosures required, if any, under section 1681a(d)(2)(A)(iii) of this title.
(d)EXEMPTION FOR CERTIFIED PUBLIC ACCOUNTANTS
(1)IN GENERALThe disclosure requirements of subsection (a) do not apply to any person, 
to the extent that the person is
(A)
a certified public accountant;
(B)
certified or licensed for such purpose by a State; and
(C)
subject to any provision of law, rule, or regulation issued by a legislative or regulatory 
body of the State, including rules of professional conduct or ethics, that prohibits 
disclosure of nonpublic personal information without the knowing and expressed consent 
of the consumer.
(2)LIMITATION
Nothing in this subsection shall be construed to exempt or otherwise exclude any financial 
institution that is affiliated or becomes affiliated with a certified public accountant 
described in paragraph (1) from any provision of this section.
15 U.S. Code  1681b - Permissible purposes of consumer reports
(a)IN GENERALSubject to subsection (c), any consumer reporting agency may furnish 
a consumer report under the following circumstances and no other:
(1)
In response to the order of a court having jurisdiction to issue such an order, a subpoena 
issued in connection with proceedings before a Federal grand jury, or a subpoena issued in 
accordance with section 5318 of title 31 or section 3486 of title 18.
(2)
In accordance with the written instructions of the consumer to whom it relates.
(3)To a person which it has reason to believe
(A)
intends to use the information in connection with a credit transaction involving 
the consumer on whom the information is to be furnished and involving the extension 
of credit to, or review or collection of an account of, the consumer; or
(B)
intends to use the information for employment purposes; or
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(C)
intends to use the information in connection with the underwriting of insurance involving 
the consumer; or
(D)
intends to use the information in connection with a determination of the consumers 
eligibility for a license or other benefit granted by a governmental instrumentality required 
by law to consider an applicants financial responsibility or status; or
(E)
intends to use the information, as a potential investor or servicer, or current insurer, in 
connection with a valuation of, or an assessment of the credit or prepayment risks 
associated with, an existing credit obligation; or
(F)otherwise has a legitimate business need for the information
(i)
in connection with a business transaction that is initiated by the consumer; or
(ii)
to review an account to determine whether the consumer continues to meet the terms of 
the account.
(G)
executive departments and agencies in connection with the issuance of governmentsponsored individually-billed travel charge cards.
(4)In response to a request by the head of a State or local child support enforcement 
agency (or a State or local government official authorized by the head of such an agency), 
if the person making the request certifies to the consumer reporting agency that
(A)
the consumer report is needed for the purpose of establishing an individuals capacity to 
make child support payments, determining the appropriate level of such payments, or 
enforcing a child support order, award, agreement, or judgment;
(B)
the parentage of the consumer for the child to which the obligation relates has been 
established or acknowledged by the consumer in accordance with State laws under which 
the obligation arises (if required by those laws); and
(C)
the consumer report will be kept confidential, will be used solely for a purpose described in 
subparagraph (A), and will not be used in connection with any other civil, administrative, 
or criminal proceeding, or for any other purpose.
(5)
To an agency administering a State plan under section 654 of title 42 for use to set an 
initial or modified child support award.
(6)
To the Federal Deposit Insurance Corporation or the National Credit Union 
Administration as part of its preparation for its appointment or as part of its exercise of 
powers, as conservator, receiver, or liquidating agent for an insured depository institution 
or insured credit union under the Federal Deposit Insurance Act [12 U.S.C. 1811 et seq.] 
or the Federal Credit Union Act [12 U.S.C. 1751 et seq.], or other applicable Federal 
or State law, or in connection with the resolution or liquidation of a failed or failing insured 
depository institution or insured credit union, as applicable.
(b)CONDITIONS FOR FURNISHING AND USING CONSUMER REPORTS FOR EMPLOYMENT PURPOSES
(1)CERTIFICATION FROM USERA consumer reporting agency may furnish a consumer 
report for employment purposes only if
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(A)the person who obtains such report from the agency certifies to the agency that
(i)
the person has complied with paragraph (2) with respect to the consumer report, and 
the person will comply with paragraph (3) with respect to the consumer report if 
paragraph (3) becomes applicable; and
(ii)
information from the consumer report will not be used in violation of any applicable 
Federal or State equal employment opportunity law or regulation; and
(B)
the consumer reporting agency provides with the report, or has previously provided, a 
summary of the consumers rights under this subchapter, as prescribed by 
the Bureau under section 1681g(c)(3) [1] of this title.
(2)DISCLOSURE TO CONSUMER
(A)In generalExcept as provided in subparagraph (B), a person may not procure 
a consumer report, or cause a consumer report to be procured, for employment 
purposes with respect to any consumer, unless
(i)
a clear and conspicuous disclosure has been made in writing to the consumer at any time 
before the report is procured or caused to be procured, in a document that consists solely 
of the disclosure, that a consumer report may be obtained for employment purposes; and
(ii)
the consumer has authorized in writing (which authorization may be made on the 
document referred to in clause (i)) the procurement of the report by that person.
(B)Application by mail, telephone, computer, or other similar meansIf 
a consumer described in subparagraph (C) applies for employment by mail, telephone, 
computer, or other similar means, at any time before a consumer report is procured or 
caused to be procured in connection with that application
(i)
the person who procures the consumer report on the consumer for employment 
purposes shall provide to the consumer, by oral, written, or electronic means, notice that 
a consumer report may be obtained for employment purposes, and a summary of 
the consumers rights under section 1681m(a)(3) 1 of this title; and
(ii)
the consumer shall have consented, orally, in writing, or electronically to the procurement 
of the report by that person.
(C)ScopeSubparagraph (B) shall apply to a person procuring a consumer report on 
a consumer in connection with the consumers application for employment only if
(i)
the consumer is applying for a position over which the Secretary of Transportation has the 
power to establish qualifications and maximum hours of service pursuant to the provisions 
of section 31502 of title 49, or a position subject to safety regulation by 
a State transportation agency; and
(ii)
as of the time at which the person procures the report or causes the report to be procured 
the only interaction between the consumer and the person in connection with that 
employment application has been by mail, telephone, computer, or other similar means.
(3)CONDITIONS ON USE FOR ADVERSE ACTIONS
(A)In generalExcept as provided in subparagraph (B), in using a consumer 
report for employment purposes, before taking any adverse action based in whole or in 
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part on the report, the person intending to take such adverse action shall provide to 
the consumer to whom the report relates
(i)
a copy of the report; and
(ii)
a description in writing of the rights of the consumer under this subchapter, as prescribed 
by the Bureau under section 1681g(c)(3) 1 of this title.
(B)Application by mail, telephone, computer, or other similar means
(i)If a consumer described in subparagraph (C) applies for employment by mail, 
telephone, computer, or other similar means, and if a person who has procured 
a consumer report on the consumer for employment purposes takes adverse action on the 
employment application based in whole or in part on the report, then the person must 
provide to the consumer to whom the report relates, in lieu of the notices required under 
subparagraph (A) of this section and under section 1681m(a) of this title, within 3 
business days of taking such action, an oral, written or electronic notification
(I)
that adverse action has been taken based in whole or in part on a consumer 
report received from a consumer reporting agency;
(II)
of the name, address and telephone number of the consumer reporting agency that 
furnished the consumer report (including a toll-free telephone number established by the 
agency if the agency compiles and maintains files on consumers on a nationwide basis);
(III)
that the consumer reporting agency did not make the decision to take the adverse 
action and is unable to provide to the consumer the specific reasons why the adverse 
action was taken; and
(IV)
that the consumer may, upon providing proper identification, request a free copy of a 
report and may dispute with the consumer reporting agency the accuracy or completeness 
of any information in a report.
(ii)
If, under clause (B)(i)(IV), the consumer requests a copy of a consumer report from 
the person who procured the report, then, within 3 business days of receiving 
the consumers request, together with proper identification, the person must send or 
provide to the consumer a copy of a report and a copy of the consumers rights as 
prescribed by the Bureau under section 1681g(c)(3) 1 of this title.
(C)ScopeSubparagraph (B) shall apply to a person procuring a consumer report on 
a consumer in connection with the consumers application for employment only if
(i)
the consumer is applying for a position over which the Secretary of Transportation has the 
power to establish qualifications and maximum hours of service pursuant to the provisions 
of section 31502 of title 49, or a position subject to safety regulation by 
a State transportation agency; and
(ii)
as of the time at which the person procures the report or causes the report to be procured 
the only interaction between the consumer and the person in connection with that 
employment application has been by mail, telephone, computer, or other similar means.
(4)EXCEPTION FOR NATIONAL SECURITY INVESTIGATIONS
(A)In generalIn the case of an agency or department of the United States Government 
which seeks to obtain and use a consumer report for employment purposes, paragraph (3) 
[Type the company name]
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shall not apply to any adverse action by such agency or department which is based in part 
on such consumer report, if the head of such agency or department makes a written 
finding that
(i)
the consumer report is relevant to a national security investigation of such agency or 
department;
(ii)
the investigation is within the jurisdiction of such agency or department;
(iii)there is reason to believe that compliance with paragraph (3) will
(I)
endanger the life or physical safety of any person;
(II)
result in flight from prosecution;
(III)
result in the destruction of, or tampering with, evidence relevant to the investigation;
(IV)
result in the intimidation of a potential witness relevant to the investigation;
(V)
result in the compromise of classified information; or
(VI)
otherwise seriously jeopardize or unduly delay the investigation or another official 
proceeding.
(B)Notification of consumer upon conclusion of investigationUpon the conclusion of 
a national security investigation described in subparagraph (A), or upon the determination 
that the exception under subparagraph (A) is no longer required for the reasons set forth 
in such subparagraph, the official exercising the authority in such subparagraph shall 
provide to the consumer who is the subject of the consumer report with regard to which 
such finding was made
(i)
a copy of such consumer report with any classified information redacted as necessary;
(ii)
notice of any adverse action which is based, in part, on the consumer report; and
(iii)
the identification with reasonable specificity of the nature of the investigation for which 
the consumer report was sought.
(C)Delegation by head of agency or department
For purposes of subparagraphs (A) and (B), the head of any agency or department of the 
United States Government may delegate his or her authorities under this paragraph to an 
official of such agency or department who has personnel security responsibilities and is a 
member of the Senior Executive Service or equivalent civilian or military rank.
(D)DefinitionsFor purposes of this paragraph, the following definitions shall apply:
(i)Classified information
The term classified information means information that is protected from unauthorized 
disclosure under Executive Order No. 12958 or successor orders.
(ii)National security investigation
The term national security investigation means any official inquiry by an agency or 
department of the United States Government to determine the eligibility of a consumer to 
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receive access or continued access to classified information or to determine 
whether classified information has been lost or compromised.
(c)FURNISHING REPORTS IN CONNECTION WITH CREDIT OR INSURANCE TRANSACTIONS THAT ARE 
NOT INITIATED BY CONSUMER
(1)IN GENERALA consumer reporting agency may furnish a consumer report relating to 
any consumer pursuant to subparagraph (A) or (C) of subsection (a)(3) in connection with 
any credit or insurance transaction that is not initiated by the consumer only if
(A)
the consumer authorizes the agency to provide such report to such person; or
(B)
(i)
the transaction consists of a firm offer of credit or insurance;
(ii)
the consumer reporting agency has complied with subsection (e);
(iii)
there is not in effect an election by the consumer, made in accordance with subsection (e), 
to have the consumers name and address excluded from lists of names provided by the 
agency pursuant to this paragraph; and
(iv)
the consumer report does not contain a date of birth that shows that the consumer has 
not attained the age of 21, or, if the date of birth on the consumer report shows that 
the consumer has not attained the age of 21, such consumer consents to the consumer 
reporting agency to such furnishing.
(2)LIMITS ON INFORMATION RECEIVED UNDER PARAGRAPH (1)(B)A person may receive 
pursuant to paragraph (1)(B) only
(A)
the name and address of a consumer;
(B)
an identifier that is not unique to the consumer and that is used by the person solely for 
the purpose of verifying the identity of the consumer; and
(C)
other information pertaining to a consumer that does not identify the relationship or 
experience of the consumer with respect to a particular creditor or other entity.
(3)INFORMATION REGARDING INQUIRIES
Except as provided in section 1681g(a)(5) of this title, a consumer reporting agency shall 
not furnish to any person a record of inquiries in connection with a credit or insurance 
transaction that is not initiated by a consumer.
(d)RESERVED
(e)ELECTION OF CONSUMER TO BE EXCLUDED FROM LISTS
(1)IN GENERAL
A consumer may elect to have the consumers name and address excluded from any list 
provided by a consumer reporting agency under subsection (c)(1)(B) in connection with 
a credit or insurance transaction that is not initiated by the consumer, by notifying the 
agency in accordance with paragraph (2) that the consumer does not consent to any use 
of a consumer report relating to the consumer in connection with any credit or insurance 
transaction that is not initiated by the consumer.
(2)MANNER OF NOTIFICATIONA consumer shall notify a consumer reporting agency under 
paragraph (1)
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(A)
through the notification system maintained by the agency under paragraph (5); or
(B)
by submitting to the agency a signed notice of election form issued by the agency for 
purposes of this subparagraph.
(3)RESPONSE OF AGENCY AFTER NOTIFICATION THROUGH SYSTEMUpon receipt of notification of 
the election of a consumer under paragraph (1) through the notification system 
maintained by the agency under paragraph (5), a consumer reporting agency shall
(A)
inform the consumer that the election is effective only for the 5-year period following the 
election if the consumer does not submit to the agency a signed notice of election form 
issued by the agency for purposes of paragraph (2)(B); and
(B)
provide to the consumer a notice of election form, if requested by the consumer, not later 
than 5 business days after receipt of the notification of the election through the system 
established under paragraph (5), in the case of a request made at the time 
the consumer provides notification through the system.
(4)EFFECTIVENESS OF ELECTIONAn election of a consumer under paragraph (1)
(A)
shall be effective with respect to a consumer reporting agency beginning 5 business days 
after the date on which the consumer notifies the agency in accordance with paragraph 
(2);
(B)shall be effective with respect to a consumer reporting agency
(i)
subject to subparagraph (C), during the 5-year period beginning 5 business days after the 
date on which the consumer notifies the agency of the election, in the case of an election 
for which a consumer notifies the agency only in accordance with paragraph (2)(A); or
(ii)
until the consumer notifies the agency under subparagraph (C), in the case of an election 
for which a consumer notifies the agency in accordance with paragraph (2)(B);
(C)
shall not be effective after the date on which the consumer notifies the agency, through 
the notification system established by the agency under paragraph (5), that the election is 
no longer effective; and
(D)
shall be effective with respect to each affiliate of the agency.
(5)NOTIFICATION SYSTEM
(A)In generalEach consumer reporting agency that, under subsection (c)(1)(B), 
furnishes a consumer report in connection with a credit or insurance transaction that is not 
initiated by a consumer, shall
(i)
establish and maintain a notification system, including a toll-free telephone number, which 
permits any consumer whose consumer report is maintained by the agency to notify the 
agency, with appropriate identification, of the consumers election to have the consumers 
name and address excluded from any such list of names and addresses provided by the 
agency for such a transaction; and
(ii)publish by not later than 365 days after September 30, 1996, and not less than 
annually thereafter, in a publication of general circulation in the area served by the 
agency
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(I)
a notification that information in consumer files maintained by the agency may be used in 
connection with such transactions; and
(II)
the address and toll-free telephone number for consumers to use to notify the agency of 
the consumers election under clause (i).
(B)Establishment and maintenance as compliance
Establishment and maintenance of a notification system (including a toll-free telephone 
number) and publication by a consumer reporting agency on the agencys own behalf and 
on behalf of any of its affiliates in accordance with this paragraph is deemed to be 
compliance with this paragraph by each of those affiliates.
(6)NOTIFICATION SYSTEM BY AGENCIES THAT OPERATE NATIONWIDE
Each consumer reporting agency that compiles and maintains files on consumers on a 
nationwide basis shall establish and maintain a notification system for purposes of 
paragraph (5) jointly with other such consumer reporting agencies.
(f)CERTAIN USE OR OBTAINING OF INFORMATION PROHIBITEDA person shall not use or obtain 
a consumer report for any purpose unless
(1)
the consumer report is obtained for a purpose for which the consumer report is authorized 
to be furnished under this section; and
(2)
the purpose is certified in accordance with section 1681e of this title by a prospective user 
of the report through a general or specific certification.
(g)PROTECTION OF MEDICAL INFORMATION
(1)LIMITATION ON CONSUMER REPORTING AGENCIESA consumer reporting agency shall not 
furnish for employment purposes, or in connection with a credit or insurance transaction, 
a consumer report that contains medical information (other than medical contact 
information treated in the manner required under section 1681c(a)(6) of this title) about 
a consumer, unless
(A)
if furnished in connection with an insurance transaction, the consumer affirmatively 
consents to the furnishing of the report;
(B)if furnished for employment purposes or in connection with a credit transaction
(i)
the information to be furnished is relevant to process or effect the employment 
or credit transaction; and
(ii)
the consumer provides specific written consent for the furnishing of the report that 
describes in clear and conspicuous language the use for which the information will be 
furnished; or
(C)
the information to be furnished pertains solely to transactions, accounts, or balances 
relating to debts arising from the receipt of medical services, products, or devises, where 
such information, other than account status or amounts, is restricted or reported using 
codes that do not identify, or do not provide information sufficient to infer, the specific 
provider or the nature of such services, products, or devices, as provided in section 
1681c(a)(6) of this title.
(2)LIMITATION ON CREDITORS
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Except as permitted pursuant to paragraph (3)(C) or regulations prescribed under 
paragraph (5)(A), a creditor shall not obtain or use medical information (other than 
medical information treated in the manner required under section 1681c(a)(6) of this title) 
pertaining to a consumer in connection with any determination of the consumers 
eligibility, or continued eligibility, for credit.
(3)ACTIONS AUTHORIZED BY FEDERAL LAW, INSURANCE ACTIVITIES AND REGULATORY 
DETERMINATIONSSection 1681a(d)(3) of this title shall not be construed so as to treat 
information or any communication of information as a consumer report if the information 
or communication is disclosed
(A)
in connection with the business of insurance or annuities, including the activities described 
in section 18B of the model Privacy of Consumer Financial and Health Information 
Regulation issued by the National Association of Insurance Commissioners (as in effect 
on January 1, 2003);
(B)
for any purpose permitted without authorization under the Standards for Individually 
Identifiable Health Information promulgated by the Department of Health and Human 
Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or 
referred to under section 1179 of such Act,1 or described in section 6802(e) of this title; or
(C)
as otherwise determined to be necessary and appropriate, by regulation or order, by 
the Bureau or the applicable State insurance authority (with respect to 
any person engaged in providing insurance or annuities).
(4)LIMITATION ON REDISCLOSURE OF MEDICAL INFORMATION
Any person that receives medical information pursuant to paragraph (1) or (3) shall not 
disclose such information to any other person, except as necessary to carry out the 
purpose for which the information was initially disclosed, or as otherwise permitted by 
statute, regulation, or order.
(5)REGULATIONS AND EFFECTIVE DATE FOR PARAGRAPH (2)
(A) [2] Regulations required
The Bureau may, after notice and opportunity for comment, prescribe regulations that 
permit transactions under paragraph (2) that are determined to be necessary and 
appropriate to protect legitimate operational, transactional, risk, consumer, and other 
needs (and which shall include permitting actions necessary for administrative verification 
purposes), consistent with the intent of paragraph (2) to restrict the use of medical 
information for inappropriate purposes.
(6)COORDINATION WITH OTHER LAWS
No provision of this subsection shall be construed as altering, affecting, or superseding the 
applicability of any other provision of Federal law relating to medical confidentiality.
(Pub. L. 90321, title VI, 604, as added Pub. L. 91508, title VI, 601, Oct. 26, 
1970, 84 Stat. 1129; amended Pub. L. 10173, title IX, 964(c), Aug. 9, 1989, 103 Stat. 
506; Pub. L. 104193, title III, 352, Aug. 22, 1996, 110 Stat. 2240; Pub. L. 104208, 
div. A, title II, 2403, 2404(a), (b), 2405, Sept. 30, 1996, 110 Stat. 3009430, 3009
431, 3009433, 3009434; Pub. L. 105107, title III, 311(a), Nov. 20, 1997, 111 Stat. 
2255; Pub. L. 105347, 2, 3, 6(4), Nov. 2, 1998, 112 Stat. 3208, 3210, 3211; Pub. L. 
107306, title VIII, 811(b)(8)(A), Nov. 27, 2002, 116 Stat. 2426; Pub. L. 108159, title 
II, 213(c), title IV, 411(a), 412(f), title VIII, 811(b), Dec. 4, 2003, 117 Stat. 1979, 
1999, 2003, 2011; Pub. L. 108177, title III, 361(j), Dec. 13, 2003, 117 Stat. 
2625; Pub. L. 109351, title VII, 719, Oct. 13, 2006, 120 Stat. 1998; Pub. L. 110161, 
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div. D, title VII, 743, Dec. 26, 2007, 121 Stat. 2033; Pub. L. 11124, title III, 302, May 
22, 2009, 123 Stat. 1748; Pub. L. 111203, title X, 1088(a)(2)(A), (4), July 21, 
2010, 124 Stat. 2087; Pub. L. 11494, div. G, title LXXX, 80001, Dec. 4, 2015, 129 Stat. 
1792; Pub. L. 116283, div. F, title LXIII, 6308(b), Jan. 1, 2021, 134 Stat. 4594.)
17 CFR  248.7 - Form of opt out notice to consumers; opt out methods.
 248.7 Form of opt out notice to consumers; opt out methods.
(a)
(1) Form of opt out notice. If you are required to provide an opt out notice under  248.10(a), 
you must provide a clear and conspicuous notice to each of your consumers that accurately 
explains the right to opt out under that section. The notice must state:
(i) That you disclose or reserve the right to disclose nonpublic personal information about 
your consumer to a nonaffiliated third party;
(ii) That the consumer has the right to opt out of that disclosure; and
(iii) A reasonable means by which the consumer may exercise the opt out right.
(2) Examples -
(i) Adequate opt out notice. You provide adequate notice that the consumer can opt out of 
the disclosure of nonpublic personal information to a nonaffiliated third party if you:
(A) Identify all of the categories of nonpublic personal information that you disclose or 
reserve the right to disclose, and all of the categories of nonaffiliated third parties to 
which you disclose the information, as described in  248.6(a)(2) and (3) and state that the 
consumer can opt out of the disclosure of that information; and
(B) Identify the financial products or services that the consumer obtains from you, either 
singly or jointly, to which the opt out direction would apply.
(ii) Reasonable opt out means. You provide a reasonable means to exercise an opt out right 
if you:
(A) Designate check-off boxes in a prominent position on the relevant forms with the opt 
out notice;
(B) Include a reply form together with the opt out notice;
(C) Provide an electronic means to opt out, such as a form that can be sent via electronic 
mail or a process at your web site, if the consumer agrees to the electronic delivery of 
information; or
(D) Provide a toll-free telephone number that consumers may call to opt out.
(iii) Unreasonable opt out means. You do not provide a reasonable means of opting out if:
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(A

Company response to consumer: Closed with explanation