Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
16 CFR 603.2- THE TERM IDENTITY THEFT MEAN USING A PERSON 'S NON-PUBLIC PRIVATE INFORMATION WITHOUT THEIR CONSCENT. THIS IS A CRIMINAL OFFENSE. THE IDENTIFIED ACCOUNTS MUST BE REMOVED FROM MY CONSUMER REPORT AS THIS IS CAUSING ME SEVERE FINANCIAL DAMAGES. 

15 USC 1681c-2 - BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT - A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT, NOT LATER THAN 4 BUSINESS DAYS AFTER BEING REPORTED. 

XXXX, XXXX, AND EXPERIAN ARE IN CLEAR VIOLATION OF THIS. 

I DID NOT GIVE PERMISSION FOR THE IDENTIFIED ACCOUNTS TO BE REPORTED ON MY CONSUMER REPORT. I HAVE FILIED A POLICE REPORT. YOU ARE NOW COMMITING AGGIVATED IDENTITY THEFT. 

Under the provisions of the Fair Credit Reporting Act, specifically outlined in section 602 of 15 USC 1681, it is crucial to ensure that consumer reporting agencies carry out their significant responsibilities fairly, impartially, and with due respect for the consumer 's privacy rights. Prominent agencies operating in this sphere include XXXX, Experian, and XXXX, while I represent the consumer. 

According to the stance of Congress in 15 USC 6801, financial institutions are obligated to consistently respect customer privacy, safeguard nonpublic personal information, and uphold its confidentiality. Within this context, a " Furnisher of information to credit agencies '' falls within the definition of a financial institution.

In line with the provisions of 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency is permitted to provide a consumer report solely based on explicit written instructions from the concerned consumer. However, both the aforementioned financial institution and the consumer reporting agencies ( XXXX, Experian, and XXXX ) lack my consent and written authorization to share my information. I hereby revoke any prior consent, whether it was verbal, non-verbal, written, implied, or otherwise, that may have been granted to XXXX, Experian, XXXX, and the " Furnisher of information to credit agencies. '' Furthermore, in accordance with 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to external third parties unless they inform the consumer about their option to keep this information undisclosed. Regrettably, the " Furnisher of information to credit agencies '' failed to apprise me of this nondisclosure option.

In violation of 15 USC 1681C ( a ) ( 5 ), XXXX, Experian, and XXXX are reporting adverse information about my account without my consent, including items of information that should not be included as per legal requirements, as they exceed the specified time frame. 

Additionally, as per 15 U.S. Code 1681s2 ( A ) ( 1 ), it is prohibited to provide inaccurate information about a consumer to any consumer reporting agency knowingly or with reasonable cause. None of the mentioned agenciesXXXX Experian, or XXXX in compliance with this standard. 

Pursuant to 15 U.S. Code 1681e, every consumer reporting agency is mandated to establish reasonable procedures to prevent violations of section 1681c and to restrict the provision of consumer reports solely to the purposes listed under section 1681b. Unfortunately, XXXX, Experian, and XXXX have demonstrated inadequacy in maintaining these reasonable procedures. 

Addressing this situation, 12 CFR 1016.7 asserts that a consumer has the right to opt out of reporting services at any given time. Consequently, I am exercising my right to opt out of the reporting services provided by XXXX, Experian, and XXXX. 

REMOVE THE IDENTIFIED ACCOUNTS IMMEDIATELY. 
THIS IS YOUR FINAL WARNING.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation