Consumer complaint received 2024-04-21 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: ProCollect, Inc.
State: TX

Complaint narrative:
Notice of Exercising The Right of Opting Out Dear, Pro Collect Account # XXXX Per the FRCA as a Federally protected consumer, I am now opting out of any in all authorization ; I the consumer XXXX have given you written, unwritten, verbal & nonverbal effective immediately and indefinitely! Per 15 USC 6802 ; Privacy Act of 1974 ; 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. 

XXXX, XXXX XXXX ; XXXX ; XXXX XXXX in XXXX XXXX ; do hereby revoke and rescind all powers of attorney, in fact or otherwise, signed by me or otherwise, implied in law or otherwise, with or without my consent or knowledge, as it pertains to any of all property, real or private, corporeal or incorporeal, obtained in the past, present, or future. XXXX XXXX ; XXXX XXXX XXXX XXXX in XXXX XXXX XXXX is the sole owner and possesses allodial title to any and all such property, including but not limited to my physical human body. 

So said, so signed, and so sealed ; by my living hand this XXXX day of XXXX Executed ; in the year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am : XXXX XXXX XXXX XXXX [ XXXX ] XXXX Beneficiary ; XXXX, XXXX XXXX Living Injured XXXX XXXX XXXX XXXX UCC 1-308 All Rights Reserved Without Prejudice Memorandum of Law Privacy Act of 1974 b ) CONDITIONS OF DISCLOSURE No agency shall disclosed any record which is contained and a system of records by any means Of communication with any person, or to another agency, except pursuant to a written request by, or with the prior written consent of the individual to whom the record contains ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 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 ; ( 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.

( a ) ( 1 ) Form of opt out notice.

If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 313.6 ( a ) ( 2 ) and ( 3 ) and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.

( ii ) Reasonable opt out means.

You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form that includes the address to which the form should be mailed ; or ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out

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