Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I, as the consumer, have received a comprehensive file disclosure from XXXX XXXX XXXX After checking my report I noticed several banks that have without my written consent shared my account numbers, date of transactions, and returns with XXXX XXXX XXXX which is a third party and not affiliated in any way. The banks that have betrayed my trust and shared my nonpublic personal information are XXXX XXXX  and Capital One. Also there are numerous unauthorized inquiries on my report as well that I was not made aware of or did not give written consent. 

XXXX XXXX  and Capital One Bank both violated my laws by sharing nonpublic information to a nonaffiliated third party known as XXXX XXXX XXXX according to XXXX XXXX. XXXX. Code XXXX which states : " a covered entity may not, directly or through any affiliate, disclose any nonpublic personal financial information about a consumer to a nonaffiliated third party unless : ( 1 ) the covered entity has provided to the consumer an initial notice as required under XXXX of this title ( relating to Initial Privacy Notice ) ; ( 2 ) the covered entity has provided to the consumer an opt out notice as required in XXXX of this title ( relating to Form of Opt Out Notice to Consumers and Opt Out Methods ) ; ( XXXX ) the covered entity has given the consumer a reasonable opportunity, before it discloses the information to the nonaffiliated third party, to opt out of the disclosure ; and ( 4 ) the consumer does not opt out.

( b ) Examples of reasonable opportunity to opt out. A covered entity provides a consumer with a reasonable opportunity to opt out if : ( 1 ) the covered entity mails the notices required in subsection ( a ) of this section to the consumer and allows the consumer to opt out by mailing a form, calling a toll-free telephone number or any other reasonable means within 30 days from the date the covered entity mailed the notices. 
( 2 ) a customer opens an on-line account with a covered entity and agrees to receive the notices required in subsection ( a ) of this section electronically, and the covered entity allows the customer to opt out by any reasonable means within 30 days after the date that the customer acknowledges receipt of the notices in conjunction with opening the account. 
( 3 ) for an isolated transaction such as providing the consumer with an insurance quote, a covered entity provides the consumer with a reasonable opportunity to opt out if the covered entity provides the notices required in subsection ( a ) of this section at the time of the transaction and requests that the consumer decide, as a necessary part of the transaction, whether to opt out before completing the transaction. '' None of these opt out disclosures were given to me. 

XXXX XXXX XXXX shared my nonpublic personal information with XXXX, XXXX, and XXXX which is a direct violation of law according to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( a ) A consumer reporting agency may furnish a consumer report only : ( 1 ) in response to a court order issued by a court with proper jurisdiction ; ( 2 ) in accordance with the written instructions of the consumer to whom the report relates.