Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: LA
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:
Are in violation of 15 u.s code 6801- Protection of nonpublic personal information A ) Privacy Obligations Policy 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 customers nonpublic personal information b ) Financial Institutions safeguards 1 ) to insure the security of customer records and information ; 2 ) to protect against any anticipated threat or hazards to the security or integrity of such records : and 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any consumer. According to u.s code 6802- Obligations with the respect to disclosures of personal information A ) Notice requirements. 
A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 15 u.s code 6803. ( B ) opt out- In general a financial institution may not disclose nonpublic personal information to a non affiliated third party unless such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by 15 U.S. Code 6804, 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. According to 16 CFR 313.4- Initial privacy notice to consumers required ( A ) Initial notice requirement. You must provide a clear and and conspicuous notice that accurately reflects your privacy policy and practices to : 2 ) A customer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party. According to 16 CFR 313.7- Form of opt out notice to consumers ; opt out methods. A ) The financial institution are required to provide and opt out notice under 16 CFR 313.10- you must provide a clear conspicuous notice to each of your consumers that accurately explain the right to opt out under that section. The notice must state ; 1 ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party. 2 ) That the consumer has the right to opt out of that disclosure ; and 3 ) A reasonable means by which the consumer may exercise the opt out right. According to 15 u.s 1681 B- Permissible purpose of consumer reports. 2 ) In accordance with the written instructions of the consumer to whom it relates. Inquires from XXXX XXXX have been reported to my Experian account but theres been no report from XXXX nor XXXX. Also Experian has XXXX priced at XXXX and XXXX and XXXX has it priced at XXXX. According to the Family Educational Rights and Privacy Act The Family Educational Rights and Privacy Act ( FERPA ) ( 20 u.s.c. 132g ; 34 CFR part 99 ) is a federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. Schools may disclose without consent directory information such as a students name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. However schools must tell parents and eligible students a reasonable amount of time to request that the school not disclose directory information about them. Schools must notify parents and eligible students annually of their rights under FERPA. The Privacy Act of 1974 prohibits the disclosure of a record about a individual form a system of records absent the written consent of the individuals, unless the disclosure is pursuant to one of twelve statutory exceptions.

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