Consumer complaint received 2024-04-17 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: P&B Capital Group, LLC
State: OH

Complaint narrative:
I have notified P & B CAPITAL GROUP in writing sent certified mail ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and notarized my document which states I am exercising my rights to privacy, nonconsent, and opting out of any reporting and communication according to each law provided in the letter. Which I will also paste below the context of the letter.P & B CAPITAL GROUP had XXXX days to cure. Today is the XXXX day and I have yet to see any deletions or receive any correspondence from this company. I will be sending a copy of this complaint to each bureau. there is no excuse for their neglect of my rights as a federally protected consumer. If further measures are by way of arbitration I am prepared to do so. AGAIN I EXPRESS TO YOU THAT I HAVE NEVER CONTRACTED WITH YOU NOR DO I DESIRE TO. I HEREBY EXERCISE ALL RIGHTS TO PRIVACY PER THE RIGHT TO BE FORGOTTEN ( ARTICLE XXXX OF THE GENERAL DATA PROTECTION REGULATION ), AND THE PRIVACY ACT OF 1974. I AM OPTING OUT OF ANY CONSENT THAT MAY HAVE BEEN GIVEN WETHER THAT IS VERBAL, NON VERBAL, WRITTEN AND UNWRITTEN. 

nonpublic personal information ( XXXX ) 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. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section XXXX of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. 
15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information OPT OUT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. States that I have the Right AT ANY TIME to OPT out of ANY PERSON reporting on my consumer report. The Law also states that I have a right to privacy per the Privacy act of 1974 and a right to be forgotten under Article XXXX of The General Data Protection Regulation ( GDPR ). Per the FCRA as a federally protected consumer, i am now opting out of any and all authorization I the consumer, may have given you written, unwritten verbal and non-verbal per 15 USC 6802 15 U.S. Code XXXX - Obligations with respect to disclosures of personal information ( b ) Opt out ( XXXX ) 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 XXXX of this title, that such information may be disclosed to such third party ; ( 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. 
16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation