Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Synovus Bank
State: FL

Complaint narrative:
Privacy violations XX/XX/XXXX, the account was sold to XXXXXXXX XXXX XXXX. 
As stated in your CFPB response. XXXX XXXX XXXX is a third party debt collection company. The only way information can be passed from one company to another is common ownership. 
15 U.S. Code 1692e ( 12 ) - False or misleading representations ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
So yes! The transfer of these contractual rights from 1ST DIGITAL/SYNOVUS/XXXX to XXXXXXXX XXXX XXXX  is breaking federal law! And continuing to violate my consumer rights. Your company Privacy Statement share our customers ' information for our everyday business purposes only means you can share my nonpublic personal information with affiliates or companies owned by corporate control, not third party debt collectors companies. 
XXXX XXXX XXXX is not an affiliate of the original creditor 1ST DIGITAL/SYNOVUS/XXXX. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given the original creditor, non written, verbal, and nonverbal per 5 U.S.

Code 552a. Selling my nonpublic personal information is against federal law. The only way information can be shared is by common ownership or control. 
18 U.S.C. 1028A Simply stated, aggravated identity theft occurs when someone knowingly transfers, possesses, or uses without permission, identification of another person, and then uses that identification during and/or in relation to the act of a particular felony violation. 
By federal law three privacy disclosures are required. The Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 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 GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 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 ; ( That is one disclosure ; here are the other two from the same section of this law. ) ( 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. Code 6809 - Definitions ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.

( 5 ) Nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.

In conclusion, since you sold this debt it should not be on my report at all by your company as anything. Debt is the only thing that gets reported, I have shown you and youre being put on notice that you are reporting inaccurate information, The information, is in fact inaccurate.

15 usc 1681 s-2 Responsibilities of furnishers of information to consumer reporting agencies a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION A ) Reporting information with actual knowledge of errors 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 the information is inaccurate. 
Duty A moral or legal obligation ; responsibility. 
Accurate Correct in all details ; exact. 
Prohibition A law or regulation forbids something. 
The selling of this account and reporting it as sold which violates consumer law, is in fact prohibited, incorrect and unfair practices. Since your company gave up collection rights and sold this account, reporting this account is defamation of character. 
28 U.S. Code 4101 - Definitions ( 1 ) Defamation. 

The term defamation means any action or other proceeding for defamation, libel, slander, or similar claim alleging that forms of speech are false, have caused damage to reputation or emotional distress, have presented any person in a false light, or have resulted in criticism, dishonor, or condemnation of any person. 
15 usc 1681 congressional finding and statement of purpose ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
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Except as provided in paragraph ( 3 ), the term consumer report does not include 15 usc 1681a ( 2 ) definition rules of construction 2 ) EXCLUSIONS ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The above law states that my consumer report does not include TRANSACTION OR EXPERIENCES between me the consumer and you the person making the report. That also makes furnishing this account inaccurate and incorrect information to the consumer reporting agencies.

15 usc 1681 s-2 says your company is a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information, I demand you to cease and desist reporting of incorrect/ and inaccurate information immediately to all three credit reporting agencies XXXX XXXX and XXXX XXXX 
15 USC 1681 S-2 of your responsibilities as a furnisher of information.

You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, Inaccurate account from my Consumer report XXXX XXXX and XXXX. 
I am opting out of your reporting services. Per my right Privacy Act of 1974 and 12 CFR part 1016.7 Form of opt out notice to consumers ; opt out methods.

( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.

( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Company response to consumer: Closed with explanation