Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: KY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " As indicated by the Fair Credit Revealing Demonstration 15 USC 1681 segment 602 a states " There is a need to safeguard that buyer detailing offices practice their grave liabilities with decency, unbiasedness, and a regard for the shopper 's on the right track to protection. '' XXXX and Experian are purchaser detailing offices and I'm the Shopper. I reserve the privilege to ensure my confidential data isn't shared which is supported by 15 USC 6801 which states '' It is the approach of the Congress that each monetary establishment has an agreed and proceeding with commitment to regard the security of its clients and to safeguard the security and classification of those clients ' nonpublic individual data. '' ( Furnisher of data to credit organizations ) is a monetary foundation by definition under that title. 15 USC 1681 segment 604 a part 2 expresses that " In everyday Subject to subsection ( c ), any buyer revealing organization might outfit a purchaser report under the accompanying conditions and no other : as per the composed guidelines of the purchaser to whom it relates. '' ( Furnisher of data to credit organizations ) the monetary establishment and the Shopper detailing offices XXXX and Experian don't have my agree to outfit this data and they certainly don't have my composed assent. All agree to XXXX, Experian, ( Furnisher of data to credit organizations ) whether it be verbal, non-verbal, composed, inferred or in any case is renounced. 15 USC 6802 ( b ) ( c ) states that " A monetary foundation may not reveal nonpublic individual data to a nonaffiliated outsider except if the buyer is given a clarification of how the purchaser can practice that nondisclosure choice. '' ( Furnisher of data to credit organizations ) Never educated me regarding my entitlement to practice my nondisclosure choice. Not just that 15 USC 1681C ( a ) ( 5 ) states '' Besides as approved under subsection ( b ), no shopper detailing organization might make any customer report containing any of the accompanying things of data Some other unfavorable thing of data, other than records of convictions of violations which predates the report by over seven years. '' This record is an unfriendly thing they are detailing again without my consent which is illegal. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " An individual will not outfit any data connecting with a shopper to any customer detailing office on the off chance that the individual knows or has sensible reason to accept that the data is erroneous. 15 U.S. Code 1681e states '' Each shopper announcing organization will keep up with sensible methods intended to stay away from infringement of area 1681c of this title and to restrict the outfitting of buyer reports to the reasons recorded under segment 1681b of this title. '' XXXX and Experian are not keeping up with sensible methodology. Likewise 12 CFR 1016.7 states that " A shopper might practice the option to quit whenever. '' I'm quitting your revealing administrations. ''

Company response to consumer: Closed with non-monetary relief