Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: AR
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:
I was not giving a chance to opt out of my personal information being disclosed to third party affiliates. XXXX XXXX  XXXX XXXX XXXX knowingly withheld this option from me for their own personal gain. I am a former victim of identity theft and had I known that it was law, that I be giving an opportunity to keep my information disclosed I would have. 
As you will see below in highlighted form, the XXXX XXXX states " a consumer should be given a chance exercise their right to a nondisclosure option. Being that they withheld that information and not giving me that option makes them in violation of the FCRA. The same letter shown below was taking to XXXX XXXX  XXXX XXXX XXXX at XXXX XXXXXXXX XXXX XXXX XXXX Ar XXXX on XX/XX/2022 and nothing was done. Can someone please help me to get this issue resolved. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AR XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT To Whom IT May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately. 
( XXXX XXXX  FCU ) XXXX BALANCE {$25000.00} OPEN SINCE XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I am writing in regard to the above-referenced account/s and transactions. 

I have recently come across information from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title.

( b ) Opt out ( 1 ) In generalAfinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris 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 ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 

XXXX XXXX  XXXX XXXX XXXX did not disclose this information to me that is required by federal law. 
XXXX XXXX  XXXX XXXX XXXX knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. 
XXXX XXXX XXXX XXXX XXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. 

You are in violations of several federal laws, you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. 

Should you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision. 
15 USC 1691 a ( 3 ) ( a ) Activities constituting discrimination It shall be unlawful for anycreditorto discriminate against anyapplicant, with respect to any aspect of acredittransaction ( 1 ) on the basis of race, XXXX, religion, national origin, XXXX or marital status, or age ( provided theapplicanthas the capacity to contract ) ; ( 2 ) because all or part of theapplicants income derives from any public assistance program ; or ( 3 ) because theapplicanthas in good faith exercised any right under this chapter.

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