My wife received a marketing letter from MetLife Auto informing her she was such a good driver that she could save up to $400 per year on her auto insurance. I called MetLife and asked how they obtained my wife's driving record. They responded that they had not received such a report, but were basing this premium offer on my wife's excellent CREDIT REPORT! When I asked Sherry Cole at MetLife (1 888 320 3511 X-2419) where she had obtained my wife's credit report she reported the following: EQUIFAX MARKETS A LIST OF INDIVIDUALS TO MANY COMPANIES WHICH INCLUDES THE NAME, ADDRESS, PHONE NUMBER AND COMPLETE CREDIT RATING OF THE TARKET INDIVIDUAL.
For those of you that wish to stop this RIPOFF practice, send these moron credit reporting agencies a letter containing the following:
TO: OPT OUT DEPARTMENT
This is a legal warning!
1. I am asserting my rights under the Financial Services Modernization Act and the Fair Credit Reporting Act to "opt out" of the following two uses of my personal information:
a. You do not have permission to disclose personally identifiable information with your non-affiliated third-party companies or individuals.
B. You do not have permission to disclose my creditworthiness to any affiliate.
2. I am further instructing you:
a. Do not disclose any of my transaction and experience information to any affiliate of yours.
B. Do not disclose any information about me in connection with marketing agreements between you and any other company.
3. Please respond to me in writing stating that you will comply with these instructions. If I have not received a letter within thirty days specifically denying my instructions, I will assume your records have been noted to comply with this letter.
I am mailing this in a sealed envelope, and I am NOT including my social security number. I believe my name and account number identify me sufficiently.
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