Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: PA
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:
To whom it may concern, I am writing to you today to express my concern about the unauthorized sharing of my personal information by XXXX and Experian. As a consumer, I have the right to privacy under the Fair Credit Reporting Act ( FCRA ), and I believe that XXXX and Experian and XXXX have violated my rights by sharing my information without my consent. 
Specifically, I am concerned about the following : * XXXX and Experian and XXXX obtained my personal information from ( Furnisher of information to credit agencies ), a financial institution that I have a relationship with. However, ( Furnisher of information to credit agencies ) did not have my consent to share my information with XXXX, and XXXX and Experian. 
* XXXX and Experian and XXXX did not have my written consent to furnish a consumer report about me. 
* XXXX and Experian and XXXX furnished a consumer report about me that contained inaccurate information. 
* XXXX and Experian did not maintain reasonable procedures to avoid violations of the FCRA. 
I am requesting that XXXX and Experian and XXXX take the following steps to address my concerns : * Rectify the inaccurate information in my consumer report. 
* Destroy any copies of my consumer report that contain inaccurate information. 
* Cease and desist from sharing my personal information without my consent. 
* Implement reasonable procedures to avoid future violations of the FCRA. 
I am also exercising my right to opt out of XXXX, XXXX and Experian 's reporting services. I do not want my personal information to be shared with these companies or any other third parties. 
I appreciate your time and attention to this matter. I look forward to hearing from you soon. 
Sincerely, XXXX " 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 consumer 's right to privacy. '' XXXX and Experian and XXXX 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 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX ( 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. '' ( 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. 15 U.S. Code & 1681s-2 ( 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. 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 and Experian 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. '' I am opting out of your reporting services. '' Reporting started XX/XX/2018 XXXX XXXX, XXXX XXXX XX/XX/2018, XXXX XXXX  XXXX XX/XX/2018 Direct companies involved EXPERIAN, XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 explanation