Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Certegy Holdings, LLC
State: AL

Complaint narrative:
Formal Demand Letter - Unauthorized Disclosure of Personal Information XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Date : XX/XX/year> To : Certegy Payment Solutions , LLC XXXX XXXX XXXX XXXX XXXX, CO XXXX Re : CFPB Complaint Case Number XXXX XXXX Case Number : XXXX Formal Demand for Cease and Desist - Unauthorized Disclosure Dear Sir or Madam : I am writing in response to your letter dated XX/XX/year>, regarding the above-referenced complaint. I explicitly never provided consent to Certegy Payment Solutions , LLC or any affiliated company to access, retain, share, or disclose my personal banking information, financial data, or transaction history. 
VIOLATIONS OF FEDERAL AND STATE LAW Your company 's actions constitute multiple violations of federal and state consumer protection laws, including but not limited to : XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Your company operates as a consumer reporting agency without my authorization You have compiled and disseminated consumer reports about me without permissible purpose under 15 U.S.C. 1681b Violation of 15 U.S.C. 1681c regarding reporting of adverse information 2. Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801-6809 Unauthorized disclosure of nonpublic personal financial information in violation of 15 U.S.C. 6802 Failure to provide required privacy notices and opt-out rights under 15 U.S.C. 6803 3. Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq.

Unauthorized access to and sharing of electronic transaction data Violation of consumer privacy protections under Regulation E 4. Right to Financial Privacy Act ( RFPA ), 12 U.S.C. 3401 et seq. 
Unauthorized disclosure of financial records without customer consent or legal process XXXX. Alabama XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
Failure to properly protect personal information Potential violations of state consumer privacy protections XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX Engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ) IMMEDIATE DEMANDS I hereby demand that Certegy Payment Solutions , LLC immediately : CEASE AND DESIST all access to, collection of, retention of, and sharing of any and all personal information related to me, including but not limited to : Banking information and account numbers Transaction history Check writing history Driver 's license information Social Security number Any other personally identifiable information DELETE AND DESTROY all records, files, databases, and information you have collected about me from your systems, including : Electronic records Paper files Backup systems Third-party databases Any information shared with merchants or other third parties PROVIDE WRITTEN CONFIRMATION within XXXX business days that : All my personal information has been permanently deleted All sharing of my information with third parties has ceased A complete list of all entities with whom my information was shared NOTIFY ALL MERCHANTS AND THIRD PARTIES with whom you have shared my information that : The information was shared without authorization They must immediately delete all such information They must cease using such information for any purpose PROVIDE FULL ACCOUNTING of : What information you collected about me When and how it was collected With whom it was shared For what purposes it was used What compensation you received for sharing my information LEGAL NOTICE Be advised that your unauthorized actions have caused me harm and distress. I reserve all rights to pursue legal action including but not limited to : Filing complaints with the Consumer Financial Protection Bureau ( already filed ) Filing complaints with the Federal Trade Commission XXXX complaints with the Alabama Attorney General Pursuing civil litigation for statutory and actual damages Seeking injunctive relief Recovering attorney 's fees and costs Under the Fair Credit Reporting Act, violations carry statutory damages of {$100.00} to {$1000.00} per violation, plus actual damages, punitive damages, and attorney 's fees ( 15 U.S.C. 1681n and 1681o ). 
DEADLINE FOR RESPONSE You have XXXX business days from the date of this letter ( by XX/XX/year> ) to : Confirm deletion of all my personal information Provide written documentation of compliance with all demands Cease all unauthorized activities involving my personal data Failure to comply will result in immediate escalation of this matter to relevant regulatory authorities and pursuit of all available legal remedies. 
NO AUTHORIZATION - EXPLICIT WITHDRAWAL OF ANY IMPLIED CONSENT To be absolutely clear : I have NEVER authorized Certegy Payment Solutions , LLC to : Access my bank account information Create files or reports about my transactions Share my information with merchants or any other parties Include my information in any database or risk assessment system Contact me or use my personal information for any purpose If you claim any authorization exists, you must immediately provide documented proof of my explicit, written consent. Absent such proof, all your activities regarding my information are unauthorized and unlawful. 
I expect your immediate compliance with this demand. All future correspondence must be in writing to the address listed above. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Date : XX/XX/year> CC : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission Alabama Attorney General XXXX XXXX Alabama Banking Department This letter serves as formal legal notice and demand. Retain a copy for your records and send via certified mail with return receipt requested.

Company response to consumer: Closed with explanation