Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CarMax, Inc.
State: TX

Complaint narrative:
Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Carmax XXXX, XXXX  XXXX XXXX  XXXX ID Card ATTACHED BELOW ) Date : XX/XX/XXXX URGENT MATTER I intend to challenge a dispute with an FTC report for the items listed below as Fraudulent. Please remove all from my credit report.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Items listed above have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15USC 6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not. directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-1 ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party, 2. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party, and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Remove Fraudulent Account listed : Carmax Auto Finance, Account # XXXX * * * *, Opened : XXXX Carmax Auto Finance, Account # XXXX * * * *, Opened : XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company. 



Identity Theft Affidavit Name : XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX TX XXXX To : XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX, hereby declare that I am a victim of identity theft. I intend to challenge a dispute with an FTC report for the fraudulent items listed below and request their immediate removal from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. The following violations apply : Applicable Violations : 1. 15 U.S.C. 1681 Section 602A : I have the right to privacy.

2. 15 U.S.C. 6802 : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless : ( A ) The institution clearly discloses such intent.

( B ) The consumer has the opportunity to opt-out.

( C ) The consumer is given an explanation of how to exercise that right.

3. 15 U.S.C. 1681 Section 604A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

4. 15 U.S.C. 1681c ( a ) ( 5 ) : No consumer reporting agency may include adverse information older than XXXX years. 
XXXX. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. 
Remove the Following Fraudulent Accounts : XXXX. Carmax Auto Finance, Account # XXXX * * * *, Opened : XX/XX/XXXX XXXX. Carmax Auto Finance, Account # XXXXXXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX Legal Notice : If the above accounts can not be verified, they must be removed immediately in accordance with FCRA Sections 609 and 611. If your agencies fail to comply, I may be forced to pursue legal action, including filing a claim in small claims court, should there be no satisfactory response within XXXX  days of receipt of this certified letter. 
Thank you for your urgent attention to this matter. 
Sincerely, XXXX XXXX Subject : Opt-Out Request of Financial Institutions Reporting and Sharing of Nonpublic Personal Information To Whom It May Concern, I am writing to formally notify your institution of my desire to opt-out of the sharing of my nonpublic personal information with third parties. I recently discovered that your company has shared my nonpublic personal information with [ COMPANY THEY FURNISHED TO ], without providing me the proper opportunity to opt out, as mandated by law. 
According to 15 U.S.C. 6801 ( a ), financial institutions are required to notify consumers about their information-sharing practices and provide an option for the consumer to opt out of certain disclosures to nonaffiliated third parties. Your company has failed to notify me that I had the opportunity to opt out, and I did not consent to the sharing of my personal information with [ COMPANY THEY FURNISHED TO ]. This is a violation of my rights under the XXXX XXXX ( XXXX ). 
Additionally, if [ COMPANY THEY FURNISHED TO ] is somehow affiliated with your institution, you are still required to clearly disclose this affiliation and provide me with the opportunity to opt-out before any information is shared. As outlined in 15 U.S.C. 1681a, specifically in Section ( XXXX ), the sharing of information among affiliated entities requires a clear and conspicuous disclosure, and I must be given the chance to direct that such information not be shared. 
Since you have failed to comply with these requirements, I request that you immediately : XXXX. Cease sharing my nonpublic personal information with any nonaffiliated third parties. 
XXXX. Provide written confirmation that you will no longer share my information without my consent and that I have been properly informed about my opt-out rights. 
Please note that if this matter is not addressed, I will consider pursuing legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act. 
I kindly request that you respond to this letter within the next XXXX business days. Failure to resolve this matter will leave me with no choice but to take further legal action. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX, TX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation