Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit reporting act 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. These Non-Federal consumer reporting agencies : XXXX, XXXX Experian are Underming the integrety of congressional finding of 15 U.S. Code 1681 - ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

... in addition, they are acting in collusion with with various " financial institutions '' in order to descriminate against me a " natural person '' which has cause a major hardship on me personally and mentally as I try to provide means for my family. I have being denied time after time by " financial institutions '' due to the above agencies breach of my privacy and my written consent to reporting my personal information.

Specifically with these 3 agencies reporting unlawful transactions or experiences on these accounts : XXXX XXXX XXXX ( acc # ending in XXXX ) and XXXX ( acc # XXXX ) XXXX XXXX XXXX reporting on XXXX XXXX and XXXX and Experian. 
XXXX. XXXX mortgage reporting on Experian.

Pursuant to the Gramm Leach Bliley Act under law 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; I have made several attempts over the past three years to remove these accounts from these reporting agencies as they show as derogatory and negative on my consumer report and has cost me thousands of dollars which has prevented financial progress and growth, along with lost income potential for business revenue and personal stability. It seems as if they are conspiring against me the original creditor to extend back to me my right to my own credit. Under truth and lending and the fair credit at these agencies are under direct violation to my right to privacy and legal act of consent for reporting information that is conducive to my overall demise as a consumer and being a natural person in these United States. 

For the record, I have never been given the option to opt out of any reporting by a financial institution, nor have I provided written consent to any third-party consumer reporting agencies to report my private and personal information. Nor have I given consent to report unlawful financial transactions or experiences in relation to any extension of credit concerning the above accounts and agencies in which are reporting my personal information that has been used against me for the past 3 to 5 years.

I'll end with this final law that further demonstrates the violations against me from these 3 credit reporting agencies : XXXX XXXX and Experian 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. 
( XXXX ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 

( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report ;

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