Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8411115
Complaint Overview
Complaint ID: 8411115
Company: Carmax, INC.
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
Dear Sir/Madam, I am writing to file a formal complaint against CarMax regarding their refusal to honor my opt-out request dated XX/XX/year>, in accordance with 15 USC 6802. On XX/XX/year>, I submitted a written opt-out request to CarMax, XXXX requesting that they cease sharing my nonpublic personal information with third parties & the consumer reporting agencies ; XXXX XXXX XXXX XXXX XXXX is my right under the provisions of 15 USC 6802. However, despite the clear and unambiguous nature of my request, CarMax has failed to comply with it. Despite my repeated attempts to follow up with CarMax regarding the status of my opt-out request, they have provided no indication that any action has been taken to honor my request. This non-compliance not only violates my rights under federal law but also undermines my ability to control the dissemination of my personal information. I have made diligent efforts to resolve this matter directly with CarMax, but their lack of responsiveness and disregard for my rights necessitates intervention from an appropriate regulatory authority. Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau to ensure that CarMax complies with federal law and promptly honors my opt-out request. Enclosed with this letter are copies of all relevant correspondence, including the original opt-out request submitted to CarMax on XXXX XXXX XXXXXX/XX/year>, as well as any subsequent communications between myself and CarMax. I appreciate your attention to this matter and respectfully request that the Consumer Financial Protection Bureau investigate this complaint and take appropriate action to ensure CarMax 's compliance with the law. Thank you for your prompt attention to this important issue.
Frequently Asked Questions
What is Complaint #8411115 about?
Complaint #8411115 was filed against Carmax, INC. 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 Carmax, INC. 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 Carmax, INC.?
Yes, visit the Carmax, INC. company profile at readthecomplaint.com/company/carmax-inc 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.