Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Control, LLC
State: NV

Complaint narrative:
I am writing to formally address a serious issue that has directly impacted my credit profile and personal privacy. It has come to my attention that XXXX Communications , Inc. has engaged in an unauthorized transaction by selling my personal and account information to Credit Control LLC without my knowledge or consent. This transaction has caused significant harm to my financial standing, and I believe it is a direct violation of various state and federal laws, as well as XXXX own policies and terms of service. 

Violations of Federal and State Laws 1. Federal Law Violations : The Computer Fraud and Abuse Act ( XXXX ), XXXX XXXX. XXXX : By disclosing my account information to Credit Control LLC without authorization, XXXX has engaged in unauthorized access and disclosure, as prohibited by the XXXX. 
Identity Theft and Assumption Deterrence XXXX, XXXX XXXX. XXXX : The unauthorized disclosure of my personal data to third parties constitutes identity theft under this statute, which protects individuals from the misuse of their personal information. 
Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  XXXX sale of my personal and account data to Credit Control LLC violates my rights under the FCRA, which regulates the disclosure and use of consumer credit information. This action may have contributed to negative marks on my credit profile without my consent. 
XXXX XXXX ( XXXX ), XXXX XXXX. XXXX : XXXX, as a service provider handling sensitive financial and personal information, is required under the GLBA to protect such data. The unauthorized sale of my information constitutes a breach of this law, which aims to prevent financial institutions from disclosing consumer information without consent. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX : Although primarily for federal agencies, this Act sets a precedent for safeguarding personal data. Verizons mishandling of my information reflects a failure to protect my privacy in accordance with federal standards. 
2. New Jersey XXXX XXXX Violations : New Jersey Computer Related Offenses Act, XXXX. XXXX : XXXX actions violate XXXX XXXX laws prohibiting the unauthorized access and disclosure of personal data, as defined under this statute. This includes the unlawful transfer of personal account details to Credit Control LLC. 
New Jersey Consumer Fraud Act, XXXX. XXXX et seq. : XXXX  sale or transfer of my personal information to a third party constitutes fraudulent activity, as it was done without my informed consent and without adequate disclosure, thus breaching the XXXX XXXX XXXX. 
Identity Theft XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX : This law criminalizes the sale and unauthorized use of personal identifying information. XXXX actions are in direct violation of these protections, leading to the wrongful sale of my data. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX et seq. : While this law pertains to breaches, it also emphasizes the need for companies to disclose any unauthorized access to personal data. XXXX failed to notify me about the disclosure of my information, a clear violation of this statute. 

Violation of Verizons Own Terms of Service and Privacy Policy At the core of this issue is Verizons failure to honor its own Terms of Service and Privacy Policy, both of which state that customer information will not be shared with third parties without the explicit consent of the customer, except in very specific circumstances. The unauthorized transaction involving the sale of my information to Credit Control LLC not only contradicts XXXX internal policies but also undermines the trust I placed in the company to protect my sensitive personal and financial data.

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