Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
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:
Good morning, hope this notice finds you well. 
The Fair Credit Reporting Act ( 15 USC 1681, section 602 ) underscores the vital importance of upholding fairness, impartiality, and utmost respect for consumer privacy by entities like Experian, a consumer reporting agency. As an ordinary consumer, safeguarding my personal information is paramount. This right is firmly upheld by 15 USC 6801, which mandates financial institutions to honor customer privacy and protect nonpublic personal information. 

In light of these considerations, I wish to formally request that Experian furnish me with the documentation they used to validate the authorization of certain credit inquiries. Specifically, I am seeking the following particulars from Experian : The identity of the individual within your agency with whom discussions regarding these inquiries transpired. 
Any documentation pertaining to these inquiries currently in Experian 's possession. 
A signed application bearing my handwritten signature, serving as authorization for these inquiries. 
It's important to clarify that I am not requesting an e-OSCAR report. My sole objective is to scrutinize the legitimacy of these inquiries through the specific information outlined above. Should Experian be unable to furnish documented evidence affirming the authorization of these inquiries, I earnestly request their immediate removal from my credit reports. 

This financial institution, acknowledged as a furnisher of information to credit agencies, falls within this classification. Section 604, subsection 2 of 15 USC 1681 stipulates that a consumer reporting agency is only authorized to provide a consumer report when equipped with written instructions from the relevant consumer, which, in this instance, is me. Experian does not possess my written consent to disseminate this information. In fact, I am explicitly withdrawing any and all consent extended to Experian, irrespective of its initial form, be it verbal, non-verbal, written, implied, or otherwise. 

In accordance with 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any entity to provide information about a consumer to a consumer reporting agency if they possess knowledge or reason to believe that the information is inaccurate. Furthermore, 15 U.S. Code 1681e necessitates that every consumer reporting agency, including Experian, institute reasonable procedures to forestall violations of this statute and to confine the sharing of consumer reports to the purposes delineated in section 1681b. It appears that Experian may need to review and enhance its procedures in light of these concerns.

Lastly, reference to 12 CFR 1016.7 reveals that a consumer retains the prerogative to opt out of credit reporting services at any juncture. I am now opting out of Experian 's reporting services.

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