Consumer complaint received 2022-08-16
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:
This is a response to the response from COMENITY CAPITAL BANK complaint ID # XXXX made by me the consumer in fact. Thank you for partially complying with my opt out request however, there still seems to be a misrepresentation regarding the matter. In your response to my initial complaint, you allege " a consumer has the right to opt out of some information, but the law permits consumer information sharing as may be necessary in order to conduct business for which the consumer does not have the ability to opt out. Please specify in detail how sharing my information to nonaffiliated third parties is necessary for you to conduct business? Notice Consumer reporting agencies has only assumed a vital role which was not granted to them by any governmental authority and there is no obligation for you to furnish on my consumer report. Not only do I specifically not consent for you to share my information to Consumer Reporting Agencies but I dont consent for you to share my Personal Identifiable information to any Nonaffiliated third party. Regardless of my request my information was exposed in a data breach whereas I have no knowledge of ever contracting with you and allege that this account and my information was involved in some form of misrepresentation. 


Pursuant to 16 CFR 313.3 Non affiliated party means anyone that isnt jointly employed by financial institution or directly or indirectly owned by you Pursuant to 16 CFR 313.3 Non public information includes personable identifiable information such as but not limited to Social Security Number, Address, Phone Number, Email, Age, XXXX, Weight, or any description derived from my personal identifiable information Pursuant to 16 CFR 313.79 ( 3 ) you must comply with a consumers directions to opt out within a reasonable time You are damaging me and causing me mental anguish whereas I have reason to believe you are intentionally causing me harm According to 12 CFR Section 1016.15 ( a ) ( 1 ) ( 1 ) you may disclose non public information with the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction I clearly revoked any consent that may have given you the right to share my non public information and specifically gave detailed directions on how I do not consent for my personal identifiable information to shared. Notice how congress applies that you need the consent of the consumer first before introducing any other of the requirements. whereas you have partially fulfilled my request and claim that I do not have a right to choose to opt out of sharing my personable identifiable information to third parties. 

I dont recall ever obtaining a clear and conspicuous notice that accurately reflects your privacy policies and practices of sharing my identifiable information prior to any sharing of my information. If a clear and conspicuous notice that accurately reflects your privacy policies and practices with full disclosure was provided to me prior to any sharing of my information, please provide me with proof. Also please provided with proof that you provided me information that you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party and that I the consumer has the right to opt out of that disclosure and a reasonable mean by which I can exercise the opt out right as I dont recall ever being provided such vital information where in order to find out of such information I had to visit your parent company website and attempt to exercise my opt out right by the email provided where I received no response about the results of my opting out. It was until this Consumer Financial Complaint was filled XX/XX/2022 and you responded 23 days later XX/XX/2022 informing me that you have partial complied with my opt out directions which is not reasonable or practical as you received my initial opt out notice on XX/XX/2022 via USPS Certified Mail Number XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief