Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and Experian are in violation of federal law. XXXX and Experian have agreed to follow the guidelines on consumer reporting as required by law in their consumer agreements. They ignore several disputes and constantly violate consumers. Their negligence in regards to my consumer report has caused me harm as a consumer. 15 USC 6802 states that '' ( 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 ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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 ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX  shared my nonpublic personal information with nonaffiliated third party XXXX XXXX XXXX who shared my nonpublic personal information with nonaffiliated third parties Experian and XXXX without my prior consent even though I am required notice by XXXX XXXX XXXX. I also know that according to 15 USC 6805 states '' this subchapter and the regulations prescribed thereunder shall be enforced by the XXXX XXXX XXXX XXXX XXXX. '' This is also a violation of 16 CFR 313.10 which states " Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 313.4 ; ( ii ) You have provided to the consumer an opt out notice as required in 313.7 ; ( iii ) You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure; and ( iv ) The consumer does not opt out.

( 2 ) Opt out definition. Opt out means a direction by the consumer that you not disclose nonpublic personal information about that consumer to a nonaffiliated third party, other than as permitted by 313.13, 313.14, and 313.15. '' I was not provided an initial notice as required under 313.4 ; or an opt out notice as required in 313.7. These are clear violations of federal law and I am directing all companies to stop disclosing my nonpublic personal information as is required by law. The account I am speaking of is XXXX XXXX XXXX CO through XXXX XXXX XXXX Account Opened : XX/XX/2021 Account # 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