Consumer complaint received 2023-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
You failed the requirements Pursuant to 15 U.S. Code 6802 ( b ) ( 1 ) A financial institution you have disclose nonpublic personal information to a nonaffiliated third party ( XXXX XXXX XXXX  ), without following the requirements pursuant to 15 usc 6802 ( b ) ( 1 ) ( A ) you failed to provide a clear and conspicuously notice, in writing or in electronic form or other form, that such information may be disclosed to such third party ; ________________________________________________________________________ clear and conspicuously is defined pursuant to 12 CFR 1016.3 ( b ) ( 1 ) means that a notice is reasonably understandable and designed to call attention to the nature and significance of the information in the notice, CAPITAL ONE You failed the requirement pursuant to 15 usc 6802 ( b ) ( 1 ) ( B ), i consumer was not given the clear and conspicuous opportunity, before the time that my nonpublic personal information was initially disclosed, to direct that such information not be disclosed to such parties XXXX, XXXX, XXXX in addition you failed the requirement pursuant to 15 usc 6802 ( b ) ( 1 ) ( C ) i the consumer was not given a clear and conspicuous explanation of how i the consumer can exercise my nondisclosure RIGHTS GIVEN TO i BY CONGRESS at the time of establishing the relationship between i the consumer and you the financial institution described pursuant to 12 CFR 1016.9 ( a ) ( b ) ( 1 ) ( i ) ( ii ) ( iii ), You are violation of the Gramm Leach Bliley Act and to be held liable due to the reason you have cause to be disclosed customer information of a financial institution relating to another natural person which is i the consumer, by pursuant to 15 usc 6821 ( a ) ( 3 ) providing a document, document defined pursuant to 15 usc 6827 ( 3 ) means any information in any form, which in this case nonpublic personal information pursuant to 12 CFR 1016.3 ( p ) ( 1 ) ( i ) to officer, employee or agent of a financial institution which pursuant to 15 usc 6827 ( 4 ) ( B ) XXXX, XXXX, XXXX are all financial institutions to whom CAPITAL ONE has shared to either a employee, officer or agent of such XXXX consumer reporting agencies XXXX XXXX XXXX information that contains a fraudulent statement and representation of authority share my nonpublic personal information without consent from i the consumer which in fact makes you in violation pursuant to 15 usc 6823 ( a ), CAPITAL ONE violated the Gramm Leach Bliley Act pursuant to 15 U.S. Code 6821 ( a ) ( 2 ) caused to be disclosed to each person, XXXX XXXX XXXX my customer information of CAPITAL ONE the financial institution relating the natural person ( XXXX XXXX ) authorized representative of ( XXXX XXXX ) by making a false, fictitious, fraudulent statement ( privacy policy ) to ( XXXX XXXX ) the natural person authorized representative of ( XXXX XXXX ) the Corporation and customer, of CAPITAL ONE who is a financial institution i do understand CAPITAL ONE states they are a Furnisher of information and states they are required to furnishing accurate information, in fact pursuant to 12 CFR 1022.41 ( c ) ( 2 ) you can not be a Furnisher because you acting as consumer reporting agency as defined pursuant to 15 U.S. Code 1681a ( f ) of the FCRA, 15 U.S. Code 1681 ( b ) you have no permissible purpose to furnish a report on behalf there so you failed to comply with the requirements imposed under the FCRA 15 U.S. Code 1681e limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. And furnishing a consumer report to a persons XXXX XXXX XXXX while having reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 15 U.S. Code 6821 Pursuant to 15 U.S. Code 6823 ( b ) it states Because you violated, section 6821 of the Gramm Leach Bliley Act while violating another law of the United States ( Fair Credit Reporting Act ) you shall be fined twice the amount provided in subsection ( b ) ( 3 ) or ( c ) ( 3 ) ( as the case may be ) of section 3571 of title 18, or imprisoned for not more than 10 years, or both if i bring action against any related persons With Explicit Reservation of all Right, Without Prejudice UCC 1-308. XXXX XXXX

Company response to consumer: Closed with explanation