Consumer complaint received 2023-03-11
Company: Experian Information Solutions Inc.
State: KS
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 Ks XXXX This is a statement of facts regarding the multiple violations of my consumer rights by the financial institution XXXX XXXX XXXX I received correspondence from a XXXX XXXX Loan operations manager at XXXX XXXX XXXX responding to an explanation of inquiry posted on a credit report furnished in violation of the FCRA 15 usc 1681a ( XXXX ) tules of construction. I informed XXXX XXXX that no explanation was needed because the issue was with the willful negligence of CRAs ( consumer reporting agencies ) I then informed XXXX XXXX to cease and desist the reporting of ALL my consumer information to CRAs XXXX XXXX responded with a false and misleading way by telling me I the consumer can't opt out of sharing my non public privat information with CRAs and that the Graham Leach Bliley act did not apply to CRAs 15usc 6802 is pretty clear on the issue ( 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 ( XXXX ) 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 ) I notified XXXX  of these facts he explained that XXXX XXXX XXXX would continue to report my information in violation of the law XXXX XXXX XXXX, Appellant v. FEDERAL TRADE COMMISSION, et al., Argued XX/XX/XXXX and settled XX/XX/XXXX Section 6809 of title 15 defines " financial institution '' as " any institution the business of which is engaging in financial activities. On XX/XX/XXXX, the Federal Reserve Board promulgated a regulation, still " in effect on XX/XX/XXXX, '' which expressly identifies as among " activities... so closely related to banking or managing or controlling banks as to be a proper incident thereto '' those activities that " are usual in connection with making, acquiring, brokering or servicing loans or other extensions of credit, '' including : Credit bureau services. Maintaining information related to the credit history of consumers and providing the information to a credit grantor who is considering a borrower 's application for credit or who has extended credit to the borrower. 

XXXX ) GBLA DOES APPLY TO CRAs XXXX  BY WAY OF XXXX XXXX DECIDED TO WILLFULLY VIOLATE MY RIGHTS AND FURNISH FALSE MATERIAL MISREPRESENTATIONS TO BOLSTER THEIR CLAIMS. 

XXXX ) 15 U.S. Code 6823 - Criminal penalty Whoever knowingly and intentionally violates, or knowingly and intentionally attempts to violate, section 6821 of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both. 

XXXX ) 5 U.S. Code 6821 ( a ) Prohibition on obtaining customer information by false pretensesIt shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person ( XXXX ) by making a false, fictitious, or fraudulent statement or representation to an officer, employee, or agent of a financial institution ; ( XXXX ) by making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution; or ( XXXX ) by providing any document to an officer, employee, or agent of a financial institution, knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation. 



A lot of false, fictitious, and fraudulent statements were made in the 2 days of correspondence between myself and XXXX XXXX as well as a failure to comply with my cease and desist order as well as a failure to escalate the matter up the chain when requested Documents enclosed Email correspondence False and fictitious privacy notice with no opt out instructions Initial correspondance begining the exchange

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 non-monetary relief