UPDATE: As told to Jules Polonetsky over at The Future of Privacy Forum, Capital One was engaging in "totally random" rate changes that were not related to browser type. On the other hand, according to the Wall Street Journal, Capital One was at one point using [x+1] data to calibrate what credit card offers to show.
The other day, I suggested that the facts of the Clementi suicide may perfectly illustrate why no actual transfer of information is necessary for someone to suffer a severe subjective privacy harm. (Thanks to TechDirt and PogoWasRight for the write ups.)
Just now I learned about an allegation against Capital One that the company offered someone a different lending rate on the basis of what browser he used (Chrome vs. Firefox). A similar allegation was made against Amazon, which apparently used cookies for a time to calibrate the price of DVDs.
Here you have a clear objective privacy harm: your information (browser type) is being used adversely in a tangible and unexpected way. It matters not at all whether a human being sees the information or whether a company knows "who you are." Neither personally identifying information, nor the revelation of information to a person, is necessary for there to be a privacy harm.