Consumer complaint received 2024-04-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: FIRSTBANK
State: CO

Complaint narrative:
Social security number XXXX XXXX Formal complaint regarding violation of consumer rights privacy act fcra and consumer protection act I am writing to officially register a complaint against credit reporting agencies attached to this complaint / financial institution can attach to this complaint for significant violation of my consumer rights privacy act rights my bank violated my privacy rights because their credit reporting act and the consumer protection act is complaint quarter inch with the relevant legal provisions and is based on the following. fcra violations as a federally protected consumer I hear by exercise my right to opt out of any and all authorizations I may have given you either I the consumer may have given you written and unwritten verbal and non verbal for the disclosure of my non-public personal information in accordance with 15 USC 6801- 6805 per financial institution attached to this complaint failed to provide me and require a notice of disclosure regarding the sharing or selling of my private information to non-affiliate agencies such as consumer reporting agencies XXXX XXXX for a third party for the banks in which I had a bank account at first Bank XXXX XXXX Colorado XXXX XXXX and XXXX I had an account which was overtaken by fraudulent activity and they closed it I let them know that it wasn't my fault my wallet was stolen and now they are refusing me at Banks so I can get no doc loans for my business due to this and XXXX XXXX XXXX XXXX for {$360.00} XXXX XXXXXXXX XXXX for {$930.00} XXXX XXXX for {$430.00} and XXXX XXXX XXXX which is also violating my privacy rights of 1974 which states in 22 CFR 1101.3 general policy collection and use of personal information ( 5 ) section personnel shell neither collect, maintain, use nor disseminate information concerning an individuals religious or political beliefs or activities or as membership in associations or organizations unless the individual has volunteered such information for his own benefit that the information is expressed authorized by the statue to be collected maintained use or disseminated which clearly says the individual has to give them consent to share my information I gave none of these companies consent to share my information who said I gave the bank permission to disclose my personal to non-affiliate third party entities that are violating my privacy by accessing and sharing my personal information without explicit consent. XXXX privacy act violations violations on my rights under the privacy act 5 USC 55A by financial institutions and cras through the Wheeling sale of sharing of my non-public information without proper permission and notice fcra compliance failures credit reporting agencies and financial institutions failed to possibly accurately and provide fcra mandated user notices damage and legal remedies due to the failure to honor my opt-out requests per 15 USC 6802 I have suffered emotional financial physical personal damages necessitating legal address 15 USC 1681 civil liability pursuit to 15 USC 1681 in I seek civil liability for willful non-compliance including actual damages punitive damages and legal costs dodd-franked act violations asserting that the credit reporting agencies and financial institutions are engaging in deceptive or practices my consumers reports with the debt should be updated to payed as agreed never late. Under 16 CFR 313.7 privacy of consumer financial information States This part governs the treatment of non-public personal information about consumers by the financial institutions listed in paragraph b of this section. Affiliate means any company that controls is controlled by or is under common control with another company. There is also a student loan debt on there which is XXXX XXXX which is a third partybut every student is protected under the family and educational rights The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

FERPA gives parents certain rights with respect to their children 's education records. These rights transfer to the student when he or she reaches the age of XXXX or attends a school beyond the high school level. Students to whom the rights have transferred are " eligible students. '' Parents or eligible students have the right to inspect and review the student 's education records maintained by the school. Schools are not required to provide copies of records unless, for reasons such as great distance, it is impossible for parents or eligible students to review the records. Schools may charge a fee for copies. 
Parents or eligible students have the right to request that a school correct records which they believe to be inaccurate or misleading. If the school decides not to amend the record, the parent or eligible student then has the right to a formal hearing. After the hearing, if the school still decides not to amend the record, the parent or eligible student has the right to place a statement with the record setting forth his or her view about the contested information. 
Generally, schools must have written permission from the parent or eligible student in order to release any information from a student 's education record. However, FERPA allows schools to disclose those records, without consent, to the following parties or under the following conditions ( 34 CFR 99.31 ) : School officials with legitimate educational interest ; Other schools to which a student is transferring ; Specified officials for audit or evaluation purposes ; Appropriate parties in connection with financial aid to a student ; Organizations conducting certain studies for or on behalf of the school ; Accrediting organizations ; To comply with a judicial order or lawfully issued subpoena ; Appropriate officials in cases of health and safety emergencies ; and State and local authorities, within a juvenile justice system, pursuant to specific State law. 
Violating consumer financial laws under the XXXX XXXX XXXX XXXX and consumer protection act and consideration of the violations I request a full investigation of this matter and a description response of the correct actions taken attached to our supporting documents demonstrating the unauthorized sharing of my personal information I am prepared to pursue legal avenues for resolution if necessary your immediate attention to this matter is appreciated and I anticipate a timely resolution. I will be looking to file arbitration as well.

Company response to consumer: Closed with explanation