Consumer complaint received 2023-02-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc. (VA)

CONN CREDIT CORP Account Number XXXX XXXX > Please Delete from my credit profile as I did not RECEIVE any of this. Please Provide IN WRITING showing I did.DELETE THIS ACCOUNT.You have 15 days to comply > > >> 1016.9 Delivering privacy and opt out notices. 
>> THIS VERSION IS THE CURRENT REGULATION >> >> ( a ) How to provide notices. You must provide any privacy notices and opt out notices, including short-form initial notices, that this part requires so that each consumer can reasonably be expected to receive actual notice in writing or, if the consumer agrees, electronically.

>> >> a ) General rule. Except as otherwise authorized in this part, you must not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party other than as described in the initial notice that you provided to that consumer under 1016.4 of this part, unless : >> >> ( 1 ) You have provided to the consumer a clear and conspicuous revised notice that accurately describes your policies and practices ; >> >> ( 2 ) You have provided to the consumer a new opt out notice ; >> >> ( 3 ) You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure ; and >> >> ( 4 ) The consumer does not opt out.

>> >> ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice later than required for the initial notice in accordance with 1016.4 of this part, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically.

>> >> >> a ) General rule. The initial, annual, and revised privacy notices that you provide under 1016.4, 1016.5, and 1016.8 of this part must include each of the following items of information, in addition to any other information you wish to provide, that applies to you and to the consumers to whom you send your privacy notice : >> >> ( 1 ) The categories of nonpublic personal information that you collect ; >> >> ( 2 ) The categories of nonpublic personal information that you disclose ; >> >> ( 3 ) The categories of affiliates and nonaffiliated third parties to whom you disclose nonpublic personal information, other than those parties to whom you disclose information under 1016.14 and 1016.15 of this part ; >> >> ( 4 ) The categories of nonpublic personal information about your former customers that you disclose and the categories of affiliates and nonaffiliated third parties to whom you disclose nonpublic personal information about your former customers, other than those parties to whom you disclose information under 1016.14 and 1016.15 ; >> >> ( 5 ) If you disclose nonpublic personal information to a nonaffiliated third party under 1016.13 ( and no other exception in 1016.14 or 1016.15 applies to that disclosure ), a separate statement of the categories of information you disclose and the categories of third parties with whom you have contracted ; >> >> ( 6 ) An explanation of the consumer 's right under 1016.10 ( a ) of this part to opt out of the disclosure of nonpublic personal information to nonaffiliated third parties, including the method ( s ) by which the consumer may exercise that right at that time ; >> >> ( 7 ) Any disclosures that you make under section 603 ( d ) ( 2 ) ( A ) ( iii ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( iii ) ) ( that is, notices regarding the ability to opt out of disclosures of information among affiliates ) ; >> >> ( 8 ) Your policies and practices with respect to protecting the confidentiality and security of nonpublic personal information ; and >> >> ( 9 ) Any disclosure