Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: NV
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:
I have filed server disputes with credit bureaus and also contact the creditors I filed a CFPB complaint on the XX/XX/2023 complaint # XXXX. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.Experian, XXXX and XXXX are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers nonpublic personal information. " ( Furnisher of information to credit agencies ) is a financial institution by definition under that title 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other in accordance with the written instructions of the consumer to whom it relates. " ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Experian, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, XXXX, and XXXX XXXX XXXX acct # XXXX, XXXX XXXX  XXXX acct # XXXX XXXX acct XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) acct # XXXX whether it be verbal, non-verbal, written implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A Financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure options " ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states " Every consumer reporting shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of the consumer report 's to the purposes listed under section 1681b of this title Experian, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time '' I am opting out of your reporting services.

Company response to consumer: In progress