Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: MD
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:
*** 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 
*** Any and all consent to XXXX XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. No one ever notified me that i could opt out from them, 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Furnisher of information to credit agencies, Never informed me of my right to exercise my nondisclosure option, Over the years i have contacted all credit reporting agencies over and over and they have continued to willfully violate my rights, the laws, my request to suppress and remove incorrect information, updates i request, inaccurate information, i am not a criminal and do not have a criminal record so i have contacted them since the pandemic of 2020 to only report a mailing address and a permanent mailing address : XXXX XXXX XXXX  [ XXXX ], Maryland XXXX, [ XXXX ] also only 1 name of which it is multiple names and accounts i am not familiar with, not only that i have disputed wrong incorrect information on there sites and they somehow verify information i am telling them is inaccurate and fraudulent. All of this has been illegal reporting of PRIVATE information that i have constantly requested them to stop and to remove. I have NOT ever consented or given anyone/ corporation any permission verbally or written to share or sell any of my PUBLIC or PRIVATE information. I am Not a XXXX and I am now once again telling all agencies to cease and desist collecting, sharing, reporting, and or selling information relating to me or my accounts of which is under my authority and control. If anything its been about 20 years of me telling them i only use 1 address for mailing purposes and to only use that one in connection to any accounts relating to my information, period. I am listing the laws they have broken continuously and willing since my 18th day of arrival til today about 24 years of me fighting to correct information being illegally shared and sold of which is allowing identity theft and fraud to continue to affect me personally because they share sensitive information and sell alledged debt to anyone willing to buy it resulting in me being denied credit constantly over the years for derogatory reports by these credit agencies that are for profit. So see attached credit reports and OPT OUT request for all agencies i could find links to. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX only has a letter i have to send to them to OPT OUT which is illegal also, i only could implement a security freeze so far online. For my time, energy, and damages i am requesting {$1000.00}, XXXX XXXX Dollars per violation of the following laws listed in this complaint from all crediting reporting agencies, ALL violating the following and not limited to : ( 12 CFR 1016.7, 15 USC 6802 ( b ) ( c ), 15 USC 1681 section 602, 15 USC 6801, 5 USC 1681 sec 604 ( a ) 2 ( c ), 15 USC 6802 ( b ) ( c ), 15 USC 1681C ( a ) ( 5 ), 15 U.S. Code 1681e, 15 U.S. Code 1681s2 ( A ) ( 1 ), 15 U.S. Code 1681 b, c, e. ) also, *Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, All have negatively affected my life and my ability to live a fulfilling beneficial joyous life. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 sec 604 ( a ) 2 ( c ) " 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, Experian do not have my consent to furnish this information and they surely do not have my written consent. 
Any and all consent to XXXX XXXX, Experian, Furnisher of information to credit agencies, whether it be verbal, non-verbal, written, implied or otherwise is revoked.

*15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' NONE of them informed me om my right to nondisclosure, these Furnisher of information to credit agencies, Never informed me of my right to exercise my nondisclosure option. Not only 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. '' This account is an adverse item they are reporting again without my permission which is against the law. I AM NOT A CRIMINAL!

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. And i have contacted them over and over about reporting incorrect addresses, names, accounts, transactions, identity, personal private information, illegal accounts, misrepresentation, privacy violations, etc. This is frustrating and damaging to me personally see attached reports for yourself.

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. XXXX, XXXX, Experian are not maintaining reasonable procedures when it involves me like im not important or affected by there actions all my life. So may people and companies have access to all my personal private information of which i have not ever agreed for them to have on there databases and i want it all removed or destroyed. Whats private is mine private property, period. Since the age of 16 it has been a battle for my credit worthiness, how are we starting off in this hypothecated system with what is considered to be bad credit? Someone please explain this too me, especially when my life is backing the so called debt and my signature on any document gives life to which is being resigned and sold without my knowledge or consent thru adhesion contracts constructed by these legal departments, of which what is legal is not lawful and what is legal is most times unconstitutional but of course they are using contracts and commerce to violate everyone.

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