Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: CO
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:
Friday, XX/XX/2023 To Whom It XXXX Concern I hope this letter finds you well. I am writing to address certain legal provisions that pertain to the sharing of my private information by consumer reporting agencies. While the initial letter was directed at XXXX and Experian, the content is equally applicable to any Furnisher of information to credit agencies. 

As a consumer, I am vigilant about my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 section 602 a. This section emphasizes the need for consumer reporting agencies to operate with fairness, impartiality, and respect for the consumer 's right to privacy. Whether it be XXXX, Experian, or any Furnisher of information to credit agencies, it is essential that they abide by these principles. 

Under 15 USC 6801, financial institutions, which include Furnishers of information to credit agencies, are mandated to respect customer privacy and protect the confidentiality of nonpublic personal information. This obligation is critical in safeguarding consumer privacy. 

According to 15 USC 1681 section 604 a section 2, consumer reporting agencies may furnish consumer reports only in accordance with the written instructions of the consumer. Neither XXXX, Experian, nor any Furnisher of information to credit agencies has obtained my written consent to furnish this information, nor do they possess my consent in any form, be it verbal, non-verbal, implied, or otherwise. 

Furthermore, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers of their right to exercise their nondisclosure option, which XXXX, Experian, and Furnishers of information to credit agencies have not done. This lack of transparency is a cause for concern. 

As per 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse items of information in a consumer report without authorization. The account in question is being reported as an adverse item without my permission, a clear violation of this statute. 
XXXX XXXX XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan - XXXX XXXX XXXX Experian XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX  Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan - Unsecured loan- Unsecured loan XXXX XXXX Experian XXXX Account # : XXXX XXXXXXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX Account # : XXXX XXXX XXXX Account Type : XXXX XXXX XXXX XXXX Type - Detail : Credit Card Credit Card - 15 U.S. Code 1681s2 ( A ) ( 1 ) A further stipulates that information should not be furnished if it is known or reasonably believed to be inaccurate. I assert that the information being furnished is inaccurate, and it is the responsibility of XXXX, Experian, and all Furnishers of information to credit agencies to ensure the accuracy of the data they provide. 

Lastly, 15 U.S. Code 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of the FCRA. It is evident that these reasonable procedures are not being maintained by XXXX, Experian, or any Furnisher of information to credit agencies. 

Additionally, 12 CFR 1016.7 reaffirms my right to opt out of reporting services at any time. I am hereby exercising this right to opt out of the reporting services provided by XXXX, Experian, and all Furnishers of information to credit agencies. 

In light of these legal provisions and concerns, I expect immediate compliance with the FCRA and a cessation of the reporting of my private information to any consumer reporting agency. I kindly request written confirmation of your acknowledgment of this letter and your commitment to rectify these issues promptly. 

Thank you for your attention to this matter, and I trust that you will take the necessary steps to ensure compliance with the law and protect consumer rights. 

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