Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting Act. The list of accounts has violated my protected consumer rights to privacy and confidentially under 15 USC 1681 Account Name : Illinois Bankruptcy Ref # XXXX Account Name : Indiana Bankruptcy Ref # XXXX Account Name : Illinois Bankruptcy Ref # XXXX Account Name : Indiana Bankruptcy Ref # XXXX Account Name : Illinois Bankruptcy Ref # XXXX 15 U.S. Code 1681a Definitions ; rules of construction.

Sec ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Sec ( A ) subject to section 1681s3 of this title, any Sec ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
The second rule I will be filing and disputing with you is from 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Sec ( 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, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

Sec ( b ) OPT OUT ( 1 ) IN GENERAL A 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 ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

The third rule I will also be filing and disputing with you is from 15 U.S. Code 1681n - Civil liability for willful noncompliance Sec ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court may allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

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