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Reporting company used your report improperly. Violation of Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.XXXX. XXXX XXXX is required by law to provide a clear and conspicuous disclosure of its privacy policies and practices, including how consumer information will be shared. Consumers must also be provided an opt-out option before their nonpublic personal information is shared with third parties, including credit reporting agencies. I was never provided proper notice, nor was I given the opportunity to opt out. This is a direct violation of federal law. 2. Violation of Fair Credit Repo