Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: CA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT REFERENCE ACCOUNT # : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Make : XXXX XXXX : XXXX XXXX  Year : XXXX I looked over my credit reports and I noticed some accounts on my consumer report that shouldnt be on there. I am requesting that this account be deleted immediately. 
The reporting of these account ( s ) is/are violations 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 regarding the above-referenced account/s and transactions. This vehicle was purchased at XXXX of XXXX in XX/XX/2020. 
I have recently come across information from the Federal Trade Commission ( FTC ) more specifically the GrammLeachBliley Act 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, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( 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. 


XXXX of XXXX did not disclose this information to me which is required by federal law. 

XXXX of XXXX knowingly and willfully withheld pertinent information regarding disclosing my information to affiliated and unaffiliated third parties. 

XXXX of XXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. 

I have previously contacted the company regarding this dispute, but they have failed to respond. Additionally, they have sent me a list of charges with dates that do not prove that I was ever late on payments. 

To demonstrate that I was ever late, they must provide evidence of deposits made from me to their account on the specific dates they claim I missed payments. However, they have not provided such proof. 

They are in violation of several federal laws you have 10 calendar days from the receipt of this complaint 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. 



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 non-monetary relief