Consumer complaint received 2023-07-31
Company: U.S. BANCORP
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to dispute the information that was reported to XXXX by your institution, U.S. BANK CORPORATION. I have recently become aware that my personal information has been disclosed to XXXX without my consent, which is a clear violation of my privacy rights as a consumer, as outlined in XXXX XXXX XXXX ( a ). 

According to the XXXX XXXX ( XXXX ), financial institutions like yours have a legal obligation to protect their customers ' nonpublic personal information and maintain its confidentiality. This includes ensuring that sensitive information is not shared with third-party agencies such as XXXX without the explicit consent of the customer involved. 

I specifically dispute the following unauthorized information reported to XXXX : Release of Personal Information : I did not provide any consent, either written or verbal, for U.S. BANK CORPORATION to release my personal information to XXXX. It has come to my attention that my nonpublic personal information was shared without my knowledge or authorization, which is in direct violation of the protections afforded to me under 15 USC 6801 ( a ). 

I demand that you promptly investigate this matter and provide me with a comprehensive explanation of how and why my nonpublic personal information was disclosed to XXXX without my consent. As per the Fair Credit Reporting Act ( FCRA ), I also request that you provide me with a copy of any information you shared with XXXX related to my identity and accounts. 

If it is found that my information was, indeed, released without proper consent, I demand that you take immediate action to rectify the situation. This includes removing the inaccurate information from XXXX ' records and notifying them of the correction. Additionally, I expect a written confirmation from your institution that these corrective actions have been taken. 

Please be aware that the unauthorized disclosure of my personal information is not only a breach of trust but also a serious violation of federal law. Under 15 USC 6801, financial institutions like yours have a duty to safeguard customer information and to respect the privacy rights of consumers.

Failure to address this matter promptly and responsibly may compel me to take legal action such as and not only reporting CEO 's and CFO 's to the FTC to protect my rights under 15 USC 6801 and seek remedies for any damages caused by the unauthorized release of my information.

I request that all communication regarding this dispute be in writing to ensure a clear record of our correspondence. Please send all responses to the address provided at the top of this letter.

Thank you for your immediate attention to this matter. I expect a timely resolution and look forward to receiving your written response within 30 days of the date of this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief