Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
This complaint were closed I am now reopening it. Former complaint number XXXX. M & t bank is still failing to provide me with opt out notices and I have sent them notices two times in regards to opt out myself from any and all non affiliate third parties such us chexsystem. 

Former complaint : Dear M & T BANK, My name is XXXX XXXX and I am a consumer and i am expressing my consumer rights. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to opt out of any and all authorizations I may have previously provided to you, whether written, unwritten, verbal, or nonverbal, for the sharing of my personal, financial, or confidential information. 15 U.S. Code 6801- Protection of nonpublic personal information ( a ) PRIVACY OBLIGATION POLICY. It is the policy of the 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. 15 U.S. Code 6802- Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( C ) the consumer is given an explanation of how the consumer can exercise that disclosure option. M & T BANK failed to give any written notices that they were reporting to ANY nonaffiliated third party and they did NOT provide any disclosures options to protect my nonpublic personal information. DELETE this account from my consumer report from any reporting Agency under THE PRIVACY ACT OF 1974. 15 U.S. Code 6803- Disclosure of institution privacy policy ( a ) DISCLOSURE REQUIRED. At the time of establishing a consumer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title of such financial institutions policies and practices with respect to- ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title. M & T BANK have failed to give proper notices annually ( 3 years to date in which your company obligated to pay up to {$1000.00} per violation ) and to whom they were sharing it with. In XXXX until current i have never received any disclosures of my rights to the sharing of my nonpublic personal information. The sharing or transferring of my nonpublic personal information constitutes Identity Theft. I have never done any business with XXXX for them to have any of my Personal Info in regards to this account, my social, the transaction history etc. This all is Fraud. I am a firm believer in my rights and i will not stop until i am fully remedied and if that's through an agent of arbitration clause so be it. 15 U.S Code 6805- Enforcement ( a ) In General Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, The Federal functional regulators. As it states in 15 U.S. Code 6804 ( a ) ( 1 ) the CFPB and the Securities and Exchange Commission shall have the authority to prescribe such regulations as may be necessary to carry out the purposes of the subchapter. Please update your records immediately to reflect this opt-out request and cease any and all reporting to any Nonaffiliated third party. Send notice of opt out upon successfully opting me out. If any further information or action is required from me, I request that you contact me in writing at the address listed above. You have ( 15 ) days to follow up with such notice or you have defaulted. Thank you for your attention to this matter. 



This needs to be addressed, this is clogging my rights & m & t bank is in violation. They have followed up but did not answer any of my questions or did not address my concerns with opting out. My next step will be sending arb notice and receive monetary gains for my benefit from your company non compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation