Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: TX
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:
I was looking at all of my consumer credit reports, and Ive noticed many discrepancies in my report that have prohibited me from obtaining extensions of my own credit from various financial institutions. My privacy is important to me and there are a number of companies that have furnished my personal information to Experian, XXXX, XXXX XXXX, and XXXX without my expressed authorization under an unconscionable contract. These consumer reporting agencies have not verified that the creditors on my report obtained authorization lawfully from me in writing and are reporting fraudulent data on my report.

The Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian, XXXX, XXXX XXXX, and XXXX are all consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared pursuant to 15 USC 6801, which states " 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.

The Furnishers listed herein providing my information to the credit agencies are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The Furnishers listed herein, these financial institutions, and the Consumer reporting agencies Experian, XXXX XXXX XXXX, and XXXX do not have my consent to furnish this information. It is a fact that these agencies do not have my written consent. Any and all consent to Experian, XXXX, XXXX XXXX, XXXX and/or The Furnishers listed herein whether it be verbal, non-verbal, written, implied, or otherwise is revoked and does not have my expressed authorization. 

Under 15 USC 6802 ( b ) ( c ) it states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option. '' The Furnishers listed herein never informed me of my right to exercise my nondisclosure option nor gave me the opportunity to opt-out.

Considering that, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' All accounts listed are adverse items that Experian, XXXX, XXXX XXXX, and XXXX are reporting again without my permission is not lawful.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Every consumer reporting agency must make sure they arent violating any of these laws. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian, XXXX, XXXX XXXX, and XXXX are not maintaining reasonable procedures. 

Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' This is my Notice that I am opting out of your reporting services.

Furnishers : These are the companies that are not authorized to report on my consumer credit file and do not have written consent to furnish my private information to any third party. They must be removed and blocked Unauthorized Accounts : XXXX. XXXX XXXX - No Permissible Purpose and does not have written consent to report transactions or personal information | XXXX Date Opened XX/XX/XXXX Unauthorized Inquiries XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX & Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX Inquired on XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX. XXXX XXXX  XXXX Inquired on XX/XX/XXXX & Inquired on XX/XX/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. XXXX XXXX XXXX XXXX XXXX, XXXX None of these inquiries respected my right to opt out and did not present the opportunity to as required by law. 

The following addresses are not mailable and are not authorized by me or anyone who is contracted as Power of Attorney and must be removed. 

Unauthorized Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, TX XXXX No application or authorized document should have my name displayed in this fashion and anyone who uses this displayed name does not have my authorization of my name and is in violation of 18 U.S.C. 1028 Unauthorized Names : XXXX. XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Failure to comply within twenty-one ( XXXX ) days of the receipt of this claim and notice will result in {$5000.00} in damages for each violation of Constitutional and consumer rights.

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