Consumer complaint received 2023-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
THESE account are in violation of the law put forth to protect me as a consumer and they are not following the law as it pertains to these financial institutions To whom it may concern ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX  ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : CAPITAL ONE ACCOUNT NUMBER : XXXX According to the fair credit reporting act the above creditors/persons/ entities have violated my rights 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 S-2 RESPON responsibilities of furnishers of information to consumer reporting agencies ( E ) duty of person after receiving notice of dispute After receiving notice of dispute from a consumer person to subparagraph D the person that provided the information in dispute to a consumer reporting agency shall conduct an investigation with respect to the disputed information review all relevant conduct an investigation with respect to the disputed information review all relevant information provided by the consumer with the notice complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681 I A I see that your agency or financial institution has made a report on my personal consumer report and I ask that you please expeditiously remove this item from my personal consumer report as I have never given you or anyone written permission to write or divulge my personal information to any third party which is a violation of my consumer rights as a consumer 15 USC 6802 SUB SECTION ( A ) NOTICE OF REQUIREMENTS Except as otherwise provided in this subchapter a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer, a notice that complies with section 6803 of this title ( B ) OPT OUT ( 1 ) in general a financial institution may not disclose nonpublic personal information to non-affiliate third parties unless ( A ) such financial institution clearly and conspicuously discloses, to the consumer, in writing or in electric form or other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third parties ( B ) the consumer is given the opportunity that such information is initially disclosed to direct that such information may not be disclosed to such third party and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option I opt out of any disclosures to any third parties or non-affiliates of this financial institution any credit unions credit bureaus credit reporting agencies I do not give any written permission to XXXX XXXX XXXX  and its affiliates to disclose my personal information as I have a right to privacy and my personal information is solely mine.

15 USC 45 PRIVACY MISSION OF FTC 5 USC552a PRIVACY ACT OF 1974 15 USC 6802 6809 GRAMM LEACH- BLILEY ACT 15 USC 1681 FCRA I opt out of any disclosures to any third parties I ask that you remove any reports that you have given to a third party to place on my consumer report that means XXXX XXXX XXXX and all other credit reporting agencies I opt out! I have given you in writing My unwillingness to allow you to give third parties and non-affiliates any of my personal information I ask that you remove from my consumer report on all platforms any information that you as a financial institution has given to a non-affiliate expeditiously remove all of my personal information from all credit reports and data furnishing firms! I opt out!!!!!! yours truly XXXX XXXX.

Company response to consumer: Closed with explanation