Consumer complaint received 2025-01-03 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I am writing to formally file a complaint against GM Financial and XXXX for what I believe to be a violation of my rights undeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in relation to the improper handling and sharing of my personal financial information with XXXX party affiliate AmeriCredit. 

XXXX XXXX XXXX Violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX financial institutions are required to establish privacy policies and practices to safeguard the confidentiality of their customers ' personal financial information. I have reason to believe that GM Financial has failed to adopt appropriate policies and procedures for safeguarding my nonpublic personal information. 

XXXX XXXX XXXX Violation of XXXX XXXX XXXX XXXX XXXXDisclosure of Nonpublic Personal Information** XXXX XXXX Code XXXX XXXX financial institutions to limit the sharing of nonpublic personal information without consumer consent, except in specific circumstances. GM Financial has violated this provision by ** [ describe the violation, e.g., sharing your financial data with XXXX  parties without your consent, not adhering to privacy notice requirements, etc. ] **. 

XXXX XXXX XXXX Violation of XXXXXXXX XXXX XXXX XXXX XXXXNotice of Policies and Practices** Under XXXX XXXX Code XXXX XXXX financial institutions are obligated to provide customers with clear notices of their privacy policies and practices, explaining how their nonpublic personal information will be shared. I have not received a sufficient or timely notice from GM Financial detailing their practices or obtaining my consent to share my financial information. This lack of notice further exacerbates the violation of my privacy rights. 

XXXX XXXX XXXX Violation of XXXX XXXXXXXX XXXX XXXXXXXX ( b ) **Permissible Purpose of Consumer Reports** According to XXXX XXXXXXXX XXXX  XXXX ( b ) **, a consumer reporting agency or any financial institution may only access or share a consumer 's financial information under permissible purposes as defined under the Fair Credit Reporting Act ( FCRA ). GM Financial has accessed or shared my financial information without a valid or permissible purpose, thereby violating this statute. 

I respectfully request your assistance in investigating XXXXXXXX XXXX actions and ensuring that they are held accountable for these violations of the Gramm-Leach-Bliley Act, Fair Credit Reporting Act, and applicable consumer privacy laws. 

I appreciate your attention to this matter and request that you inform me of the steps being taken to resolve this issue. I would also appreciate any guidance on further steps I may need to take to protect my rights. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation