Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act, specifically section 602 of the United States Code Title XXXX, emphasizes the importance of consumer reporting agencies conducting their duties in a fair, unbiased, and privacy-conscious manner. This legislation recognizes the significance of safeguarding consumers ' rights and underscores the need for responsible practices within the industry. XXXX, a consumer reporting agency, is headquartered at XXXX XXXX XXXX, XXXX, XXXX. It operates under the Commission File Number : XXXX. Another prominent consumer reporting agency is XXXX, located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. XXXX operates under the Commission File Number : XXXX. Lastly, Experian, a consumer reporting agency, has its headquarters at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. Experian operates under the File Number : XXXX. As per the provisions outlined in the United States Code, specifically 15 USC 6801, individuals possess the lawful entitlement to safeguard their personal information from being disclosed. This statute establishes a clear directive for financial institutions, emphasizing their inherent responsibility to consistently uphold customer privacy, while simultaneously ensuring the security and confidentiality of any nonpublic personal data entrusted to them. A financial institution, known as a furnisher of information to credit agencies, is an entity that plays a crucial role in the financial ecosystem. According to Section 604 ( a ) ( 2 ) of the United States Code, specifically under Title 15, it is stated that " In general Consumer reporting agencies are permitted to provide consumer reports only under specific circumstances, as outlined in subsection ( c ). These circumstances are limited to situations where the agency has received written instructions from the consumer to whom the report pertains. The financial institution responsible for providing information to credit agencies, namely XXXX, XXXX, and Experian, lacks my consent to furnish this information. Furthermore, it is important to note that they do not possess my written consent either. I, XXXX XXXX the consumer hereby revokes any and all forms of consent granted to XXXX, XXXX, and Experian, which are recognized as furnishing information to credit agencies. This revocation encompasses consent given through verbal, non-verbal, written, implied, or any other means. According to the United States Code, specifically 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from sharing nonpublic personal information with nonaffiliated third parties unless certain conditions are met. One such condition is that the consumer must be provided with an explanation of how they can exercise their right to keep their information private. A provider of crucial information to credit agencies. The user expresses dissatisfaction with the lack of information provided regarding their right to exercise their nondisclosure option. In addition to that, According to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including specific types of information in consumer reports, unless authorized under subsection ( b ). This provision aims to regulate the content of consumer reports and ensure the protection of consumer information. In addition to criminal convictions that occurred more than seven years prior to the report, are there any other negative pieces of information that should be considered? This account has been flagged as an adverse item, being reported without the user 's consent, which is in violation of legal regulations. The provision referenced is Section 1681s-2 ( A ) ( 1 ) of Title 15 of the United States Code . This particular section pertains to the responsibilities of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act ( FCRA ). It outlines the duty of these furnishers to According to State A 's regulations, it is prohibited for any individual to provide consumer-related information to a consumer reporting agency if they possess knowledge or reasonable grounds to suspect that the information in question is inaccurate. According to the United States Code, specifically 15 U.S. Code 1681e, it is mandated that consumer reporting agencies must establish and uphold reasonable procedures. These procedures are intended to prevent any violations of section 1681c and to restrict the provision of consumer reports solely for the purposes outlined in section 1681b. XXXX, XXXX, and Experian, the three major credit reporting agencies, have come under scrutiny for their alleged failure to uphold adequate procedures. In addition, According to the Code of Federal Regulations, specifically 12 CFR 1016.7, consumers possess the ability to exercise their right to opt out at any given moment. I, XXXX XXXX has made the decision to opt out of the reporting services provided by XXXX, XXXX, and EXPERIAN.

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