Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: CA
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:
I XXXX XXXX XXXX XXXX a living person, human being flesh in blood has not consented to XXXX, Experian and XXXX in written, my consumer report needs to be kept confident and private. My rights have been violated, also with the Consumer financial Protection Bureau up holding the lawful laws of the United State Government. 

118TH CONGRESS 1ST SESSION H. R. 1165 To amend the Gramm-Leach-Bliley Act to modernize the protection of the nonpublic personal information of individuals with whom financial institutions have customer or consumer relationship, and for other purposes. IN THE HOUSE OF REPRESENTATIVES.

Consumer financial Protection Bureau Please follow the laws the your Agency is governed by. see blow.

1 SEC. 2. PROTECTION OF NONPUBLIC PERSONAL INFORMATION Section 501 of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) is amended - ( 1 ) in subsection ( a ) ( A ) by striking of its customers and in serting of individuals with whom such financial institution has a customer or consumer relationship ; and 10 ( B ) by striking those customers nonpublic personal information and inserting those individuals nonpublic personal information ; and ( 2 ) by adding at the end, the following : ( c ) USE OF NONPUBLIC PERSONAL INFORMATION. It shall be unlawful for a financial institution to willfully use nonpublic personal information without the XXXX consent of an individual with whom the financial institution has a customer or consumer relationship. 

SEC. 3. OBLIGATIONS WITH RESPECT TO THE COLLECTION 2 AND DISCLOSURE OF NONPUBLIC PERSONAL 3 INFORMATION.

( a ) IN GENERAL.Section 502 of the Gramm-Leach 5 Bliley Act ( 15 U.S.C. 6802 ) is amended 6 ( 1 ) in the heading, by striking DISCLOSURES 7 OF and inserting THE COLLECTION AND DISCLOSURE OF NONPUBLIC ; 9 ( 2 ) in subsection ( a ) 10 ( A ) by inserting before disclose the following : collect nonpublic personal information 12 from an individual with whom such financial in 13 situation has a customer or consumer relationship or ; and ( B ) by striking has provided to the consumer and inserting has provided to such in dividual ; and 18 ( 3 ) in subsection ( b ), by amending paragraph 19 ( 1 ) to read as follows : 20 ( 1 ) IN GENERAL.A financial institution may not collect nonpublic personal information from an individual with whom such financial institution has a customer or consumer relationship or disclose nonpublic personal information to a nonaffiliated third party unless the individual with whom such financial institution has a consumer or customer relationship is given the opportunity, before the time that such 2 information is initially collected or disclosed, to direct that such information not be collected or disclosed to such third party. ; In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 6801-6802. 

Has Violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has Violated my rights.

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