Settled case summary #15 — A retail store and A financial institution
An individual complained that a retail store inappropriately collected her personal information and disclosed it to a financial institution, and that the financial institution used and disclosed her information without consent. The complainant provided her information for a credit application but decided not to proceed, tearing up the contract. However, due to a salesperson's error, her information was entered into the system before her signature, leading to a credit card being issued. The financial institution apologized, removed inquiries from her credit file, and purged her information. The retail store implemented new procedures to ensure signatures are obtained before data entry. Both the complainant and the OPC were satisfied with the corrective actions.
- 1Whether the retail store inappropriately collected and disclosed personal information without consent
- 2Whether the financial institution used and disclosed personal information without consent
- 3Whether the salesperson followed proper procedure for credit applications
- Collection of personal information: Inappropriate collection by retail store
- Disclosure of personal information: Inappropriate disclosure by retail store
- Use of personal information: Inappropriate use by financial institution
- Corrective action by retail store: New procedures implemented
- Corrective action by financial institution: Information purged and inquiries removed
- Complaint resolution: Complaint resolved to satisfaction of all parties
Complaint settled
The complaint was settled because both the retail store and the financial institution took satisfactory corrective actions during the investigation, addressing the complainant's concerns and preventing future occurrences.
The financial institution removed its inquiry and trade line from the complainant's credit file and purged all related information from its system. The retail store implemented new procedures to ensure salespeople obtain an applicant's signature before entering personal information into the computer system.
This summary is informational only and not legal advice.
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