Consumer complaint received 2023-12-21
Company: Experian Information Solutions Inc.
State: NY
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:
According to the Fair Credit Reporting Act 15 USC 1681 Section 602 a states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, Experian, as well as XXXX are all consumer reporting agencies and I am the consumer. According to 15 USC 6801, I have the right to make sure my private information isn't shared, and it 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 customer 's nonpublic personal information. '' Furnisher of Information to Credit Agencies is defined as " the financial institution and the consumer reporting agencies. By definition, Furnisher of Information to Credit Agencies is a financial institution under that same title. Now, 15 USC 1681 section 604 a section 2 states, " 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 instruction of the consumer to whom it relates. '' Furnisher of Information to Credit Agencies, the financial institution and credit reporting agencies XXXX, Experian and XXXX, do not have my consent to furnish this information ; whether that be written, nonwritten, verbal, nonverbal, or implied, they do not have my consent. Any and all consent is revoked. Also, I was never informed of my right to exercise my nondisclosure option. 15 USC 6802 ( b ) ( c ) states, " a financial institution may not disclose nonpublic personal information to a nonaffliated third party uness -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' In addition to that USC, one that corresponds with that here is USC 1681C ( a ) ( 5 ) which states the following : " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' Several accounts fall under the category of adverse items which is against the law as they are reporting without my permission. 12 CFR 1016.7 states, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. To back this up, 15 USC 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' ; and 15 USC 1681s-2 ( A ) ( 1 ) states, " A personal shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. XXXX, Experian, and XXXX are not maintaining reasonable procedures.

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