Many people have told us that they think opting out is confusing. We agree. Opting out can range from the not-too-difficult (the FTC’s Do Not Call list is a fairly simple opt out) to the challenging (the National Advertising Initiative opt out can be tricky). Our hope is that this list will clarify which opt out does what, and how to go about opting out.
In 2012, the US Federal Trade Commission brought a remarkable case against Equifax for selling consumer financial information — which included credit scores and late mortgage payment information– to companies offering services to consumers in financial distress. The World Privacy Forum commented to the FTC on this case, which was important for a number of reasons.
01/30/2012 Consumer financial protection — WPF filed comments with the Consumer Financial Protection Bureau today asking it to make its consumer complaints database available for research.
The World Privacy Forum appreciates the opportunity to submit comments to the Consumer Financial Protection Bureau’s (CFPB) proposed policy statement about the CFPB’s proactive disclosure of credit card complaint data. The proposed statement appeared in the Federal Register on December 8, 2011 at 76 Federal Register 76628, http://www.gpo.gov/fdsys/pkg/FR- 2011-12-08/pdf/2011-31153.pdf and at https://www.federalregister.gov/articles/2011/12/08/2011-31153/disclosure-of-certain-credit- card-complaint-data.
Opt-out and how-to — The popular WPF Top Ten Opt Out List has been newly updated. We have added a new section to our list with step by step details on how to opt out of RapLeaf. We encourage consumers to view any of their profiles that exist at RapLeaf and to opt out of RapLeaf permanently. We have also updated the phone numbers and other information on the rest of our opt out list. To see more, visit our Opt Out List.