Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: OH
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 Uncovering Exhibit 15 USC 1681 section 602 a states " There is a need to defend that customer uncovering workplaces practice their grave commitments with goodness, decency, and a respect for the buyer 's right to insurance. '' XXXX and Experian are customer declaring associations and I'm the Client. I save the honor to guarantee my classified information isn't shared which is upheld by 15 USC 6801 which states '' It is the game plan of the Congress that each financial association has a genuine and continuing with obligation to respect the security of its clients and to protect the security and mystery of those clients ' nonpublic individual information. '' ( Furnisher of information to credit workplaces ) is a money related foundation by definition under that title. 15 USC 1681 fragment 604 a section 2 communicates that " In regular Subject to subsection ( c ), any purchaser enumerating association could furnish a client report under the going with conditions and no other : according to the made bearings out of the buyer to whom it relates. '' ( Furnisher of information to credit associations ) the financial establishment and the Client specifying associations XXXX and Experian do whatever it takes not to have my consent to equip this information and they obviously don't have my formed consent. All consent to XXXX, Experian, ( Furnisher of information to credit workplaces ) whether it be verbal, non-verbal, made, recommended of course regardless is repudiated. 15 USC 6802 ( b ) ( c ) states that " A money related association may not uncover nonpublic individual information to a non affiliated outcast but in the event that the customer is given an explanation of how the purchaser can turn out that nondisclosure decision. '' ( Furnisher of information to credit associations ) Never instructed me with respect to my qualification to rehearse my nondisclosure decision. In addition to that 15 USC 1681C ( a ) ( 5 ) states '' Other than as supported under subsection ( b ), no client declaring association could make any purchaser report containing any of the going with things of information Another adversarial thing of information, other than records of convictions of infringement which goes before the report by north of seven years. '' This account is something disagreeable they are uncovering again without my approval which is unlawful. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A singular will not outfit any information interfacing with a customer to any buyer uncovering association expecting the singular knows or has reasonable motivation to acknowledge that the information is incorrect. 15 U.S. Code $ 1681e states '' Every purchaser itemizing office will stay aware of reasonable procedures expected to avoid encroachment of portion 1681c of this title and to confine the equipping of customer reports to the reasons recorded under portion 1681b of this title. '' XXXX and Experian are not staying aware of reasonable frameworks. In like manner 12 CF {$1000.00} states that " A purchaser may practice the choice to stop while. '' I'm stopping your reporting organizations. '' Brief undoing and cancellation of the record and account and {$1000.00} dollars for each encroachment/infringement of FCRA

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