Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: DE
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:
Hi this is XXXX XXXX, XXXX XXXX XXXX is playing games with me and they are ingoring my letter to opt out of reporting this account to the XXXX credit bureaus Experian XXXX and XXXX. 

XXXX XXXX XXXX must be held accountable for violating my consumer rights by withholding my disclosures. 

XXXXXXXX XXXX  must delete this account immediately. 



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 XXXXXXXX Date : XX/XX/2023 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 reported I see you have reported an account on all three major Consumer Reporting Agencies that I did not give you permission to report, NO PERMISSIBLE PURPOSE, you did not disclose to me that I can opt out of having my information reported, and I am writing you to EXERCISE THAT RIGHT. 

Experian : XXXX : XXXX : It is my understanding that the reporting of these account is a violation 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 of credit directly or indirectly by the issuer of a credit card or 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 that was an authorization and approval of a specific extension of credit directly to me ( Mortgage Loan ).

According to the Fair Credit Reporting Act 15 USC 1681a 2 ( B ) this account is not included in a consumer report. 

You have reported this account to my consumer report which is a clear violation of the law. 



I Demand the deletion of this account from my consumer reports immediately. 



You are put on notice of the matter and the continuation of reporting this account after you have been put on notice will leave me no choice but to take legal action for willful noncompliance under the civil liability section of the FCRA 15 USC 1681n and the TILA 15 USC 1601.

I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act XXXX 15 usc 6802 obligations with respect to disclosures of personal information ( 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.

( b ) OPT OUT ( 1 ) IN GENERALA 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 The consumer is given an explanation of how the consumer can exercise that nondisclosure option. 



( Mortgage company name ) did not disclose this information to me that is required by federal law. 

( Mortgage company name ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties. 

( Mortgage company name ) 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. 

I have proof that they received my letter and they willfully are not compliant my tracking document will be uploaded below. 

15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) On the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) Because all or part of the applicants income derives from any public assistance program ; or ( 3 ) Because the applicant has in good faith exercised any right under this chapter. 







Best Regards XXXX XXXX XXXX

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