Consumer complaint received 2025-04-20 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Violations of your consumer privacy rights Unauthorized sharing of personal information with credit reporting agencies Failure to comply with data protection standards A demand to cease communication and delete your personal data of affiants private and personal information to all financial institutions and credit bureaus immediately Date : XX/XX/year> Attn : XXXX XXXX / XXXX, XXXX Truist XXXX XXXX  Attn : Legal Department / Compliance Division Local Branch XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX Formal Cease and Desist Notice Violations of Consumer Privacy Rights and Unauthorized Disclosure of Personal Information To Whom It May Concern : This letter serves as a formal demand for Truist Bank to immediately cease and desist all forms of communication with me, including but not limited to phone calls, emails, mailings, or any digital messaging. You are also required to immediately delete any and all personal information you have collected, stored, or processed about me, and to cease any further dissemination or use of my data. 

It has come to my attention that Truist Bank may have violated my consumer right to privacy by improperly collecting, using, and/or disclosing my personal information including sharing it with third-party credit reporting agencies without my clear consent or due notice. 

Under federal law, including but not limited to : The Fair Credit Reporting Act ( FCRA ) which governs the use and accuracy of information furnished to credit bureaus The Gramm-Leach-Bliley Act ( GLBA ) which imposes limits on how financial institutions share personal information The Right to Financial Privacy Act Applicable state privacy laws ( including Florida 's constitutional right to privacy under Article I, Section 23 ) ... Truist Bank is required to obtain consent, provide clear disclosures, and safeguard consumer data. The unauthorized use or disclosure of my personal data constitutes a violation of these protections, and I reserve the right to seek legal action for damages or injunctive relief if necessary.

Additionally, any failure to comply with this notice may be considered willful noncompliance under the FCRA ( 15 U.S.C. 1681n ), which carries penalties including actual damages, statutory damages, punitive damages, and attorneys fees. 

Accordingly, you are hereby ordered to : Cease and desist all further communication with me, effective immediately. 

Permanently delete all personal data, account records, or identifiable information associated with me from your systems. 

Provide written confirmation within 14 days of receipt of this letter that you have : Ceased all communication Deleted my data Notified any third-party agencies or bureaus that the information should be removed or no longer reported Please consider this your final written warning. If I do not receive confirmation of compliance, I will not hesitate to file formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Florida Attorney Generals Office And/or initiate legal proceedings to protect my rights under federal and state privacy laws. 

All rights Reserved UCC1-308 non-waived Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX

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