Consumer complaint received 2022-07-12
Company: Bread Financial Holdings, Inc.
State: FL
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:
Notice of my demand to opt-out of sharing my credit worthiness was received by XXXX XXXX XXXX XXXX COMENITY CAPITAL on XX/XX/XXXX via USPS Certified mail # XXXX after I noticed that my identifying information was being used fraudulently. As of XX/XX/XXXX, COMENITY CAPITAL has failed to respond and abide by its privacy policy and the laws set forth by congress regarding consumers ' right to privacy and nonpublic personal information. COMENITY CAPITAL is willfully and knowingly violating its obligation to respect the privacy of personal, and non-public information in regards to rights for a consumer. They have ignored my opt-out notice and are still disclosing my personal information to third-party companies to which I dont consent. They are invading my God-given inalienable right to privacy. My nonpublic personal and or private information is not to be shared without my willful consent or XXXX XXXX permission which I dont grant them or any Affiliates to share. By having the alleged account number XXXX furnished on my consumer reports. they are defaming my character and it has caused me mental stress. Im severely stressed over the fact that I'm losing sleep, I cant sleep at night knowing that my rights are being violated willfully and knowingly. Losing sleep has taken an adverse toll on my work performance I have lost wages and compensation by the stress that this corporation has caused against me. By COMENITY CAPITAL reporting my nonpublic information regarding my persons creditworthiness to Consumer Reporting Agencies, it is creating further damages. I have demanded that they cease to share any credit worthiness information using my identity information with any third-party affiliates or non-affiliates promptly which they have willfully ignored. 
According to Title 15 of United State Code subsection 6801, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Under Title 15 of the United State Code, COMMENITY CAPITAL violates subsection 1681b section 604 by furnishing information on my consumer report without a permissible purpose. 
As COMENITY CAPITAL, being a financial institution, it is its duty to honor consumers ' right to privacy by following the regulations congress has set forth for financial institutions to respect consumers ' right to privacy and to limit the sharing of information to affiliates. If theres any consent that may have been given that granted COMENITY CAPTIAL the opportunity to furnish my credit worthiness to third parties or affiliates, this is letter is a formal notice that I revoke consent and opt-out. As COMENITY CAPITAL and Consumer Reporting Agencies are financial institutions subject to the Gramm Leach Bliley Act they shall be liable if they choose to continue to violate 15 U.S. Code 6821 knowingly and intentionally and shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both pursuant to 15 U.S Code 6823.

I'm demanding my non-public information regarding my credit worthiness shall not be shared with any third party or affiliates of your financial institution. 
I am informing all recipients that any continuation of my creditworthiness or non public perosnal information of the alleged COMENITY CAPITAL account XXXX to be furnished to my consumer reports or your affiliates in any derivative thereof shall constitute a breach of my right to privacy and fraudulent use of my identifiying information. I allege that any continuation of my nonpublic personal information regarding any form of creditworthiness by COMENITY CAPITAL account XXXXwill constitute a conspiracy against my rights granted to me God, regulated by Congres, and deprivation of my rights as a consumer with willful intent by all recipients of this complaint. Therefore you have been notified of my demand to opt of sharing my credit worthiness regarding the account XXXX with COMENITY CAPITAL and I demand a quick removal of this account from all consumer reporting database within 5 Business days whereas I was never provided any notification that the information was being reported negatively to any third party or a reasonable way to opt due to the fact that this account is a result of fraud. A copy of an Identity theft report and USPS tracking of the initial letter is attached within

Company response to consumer: Closed with explanation