Consumer complaint received 2023-10-22
Company: Experian Information Solutions Inc.
State: IN
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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint against XXXX Experian, and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to express my concern and formally file a complaint against XXXX, Experian, and XXXX for potential violations of the Fair Credit Reporting Act ( 15 USC 1681 section 602 a ), the Gramm-Leach-Bliley Act ( 15 USC 6801 ), and the Code of Federal Regulations ( 12 CFR 1016.7 ). According to the Fair Credit Reporting Act, consumer reporting agencies such as XXXX XXXX Experian have a responsibility to handle their duties with fairness, impartiality, and a deep respect for a consumer 's right to privacy. I am that consumer, and I have not consented to the sharing of my private information. This protection is reinforced by the Gramm-Leach-Bliley Act, which also declares that all financial institutions, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have an ongoing obligation to respect the privacy of their customers and to protect the security and confidentiality of their nonpublic personal information. Per 15 USC 1681 section 604 a section 2, a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer involved. I confirm that I have not provided written consent to XXXX XXXX XXXX XXXX XXXX XXXX  to furnish or report my personal information. I hereby revoke any and all forms of consent that may have been previously given, in any form, including verbal, non-verbal, written, implied, or otherwise. In violation of 15 USC 6802 ( b ) ( c ), I was never informed of how I can exercise my nondisclosure option by these entities. Furthermore, an adverse item has been reported, which is in violation of 15 USC 1681C ( a ) ( 5 ) as it antedates the report by over seven years. Moreover, per 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e, inaccurate information should not be furnished, and reasonable procedures should be maintained to avoid violations. It appears that XXXX and Experian have not complied with these mandates. Lastly, I am exercising my right to opt out at any time, as stated in 12 CFR 1016.7. I am choosing to opt out of the reporting services of XXXX, Experian, XXXX XXXX XXXX XXXX XXXX XXXX..furthermore XXXX statue of limitation code is 34-11-2-7 and limitation is only 4 years for auto loan debt for a debt collectors to collect in the state of indiana and it has been 8 YEARS & they still have not removed the account after i put it under dispute the statute of limitations 15 U.S. Code 1692k - Civil liability in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} I respectfully request the Consumer Financial Protection Bureau to investigate these matters and take the appropriate actions to rectify these issues. I look forward to your prompt attention to this matter. Sincerely, XXXX XXXX

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