Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: IL
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:
Reflecting on the Fair Credit Reporting Act 15 USC 1681 section 602 a state " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy. " XXXX, Experian, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the to make sure my private information isn't shared which is back XXXX5 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its 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 USC1681 section 604 a section states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances 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 agency ) the financial institution and the Consumer reporting agencies XXXX and Experian, XXXX and none of the third parties agencies i mention earlier in my report 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, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and Early Warning Services ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6801 ( B ) ( C ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-consumer is given an explanation of how the consumer can exercise that nondisclosure option. " ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states " Except as authorize under subsection ( B ), no consumer reporting agency may make any consume report containing any of the following items of information. Any other adverse item, of information, other than records of conviction of crime which antedates the reporting by more then seven years. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( a ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S Code 1681e states ' Every consumer reporting agency shall maintain reasonable procedure designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. " Experian and XXXX, XXXX the other third parties I listed above are not maintaining reasonable procedure.Also12CFR 1016.7 states that '' A consumer may exercise the right to opt out of any of your reporting services. For utilizations the law states that its illegal to report transaction history.

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