Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8410394
Complaint Overview
Complaint ID: 8410394
Company: Alliant Credit Union
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Delaware
ZIP Code: 19904
Date Received: 2024-02-23T12:00:00-05:00
Date Sent to Company: 2024-02-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Complaint Regarding Alliant Credit Union 's Refusal to Comply with Opt-Out Request Dear Sir/Madam, I am writing to file a formal complaint against Alliant Credit Union regarding their failure to comply with my written request to opt out of certain information sharing practices, as per my rights under 15 USC 6802. I submitted my written request to opt out to Alliant Credit Union on XX/XX/2024, which is well beyond the requisite 30-day notice period stipulated by the law. Despite having provided ample time and adhering to the statutory requirements, Alliant Credit Union has blatantly refused to honor my request. Their refusal to comply with the legal mandate outlined in 15 USC 6802 not only infringes upon my privacy rights but also demonstrates a clear violation of federal law. I have made diligent efforts to resolve this matter directly with Alliant Credit Union, including multiple attempts to communicate my concerns through various channels. However, their persistent refusal to acknowledge my rights and adhere to federal regulations necessitates the intervention of an authoritative body such as the Consumer Financial Protection Bureau. Therefore, I respectfully request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate enforcement action against Alliant Credit Union for their non-compliance with 15 USC 6802. Additionally, I seek your assistance in ensuring that Alliant Credit Union promptly adheres to my opt-out request and ceases any further unauthorized sharing of my nonpublic personal information. Enclosed with this complaint, please find copies of all relevant correspondence, including my original opt-out request to Alliant Credit Union XXXX Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will undertake a comprehensive investigation and enforce the necessary actions to rectify this egregious violation of consumer rights. Enclosures : 1. Copy of original opt-out request
Frequently Asked Questions
What is Complaint #8410394 about?
Complaint #8410394 was filed against Alliant Credit Union regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-02-23T12:00:00-05:00.
How did Alliant Credit Union respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Alliant Credit Union?
Yes, visit the Alliant Credit Union company profile at readthecomplaint.com/company/alliant-credit-union to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.