Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: PA
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:
According to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ) Congress has determined that " 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. Experian and XXXX are reporting agencies and I am the consumer, it is my right as a Consumer to ensure that my private information isn't shared. My right to protect my privacy is upheld by Congress under 15 USC 6801 which states clearly, " 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. '' XXXX XXXX is a financial institution by definition under 15 USC 6801. 15 U.S.C. 1681b 604. ( a ) ( 2 ) Subject to subsection ( c ), indicates that 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. XXXX XXXX XXXX XXXX nor Consumer reporting agencies XXXX or Experian have any written instructions from me nor do they have my expressed written consent to furnish my consumer report. 
15 USC 1681C ( a ) ( 5 ) states that 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.

Experian continues to report two bankruptcies on my credit report these bankruptcies are adverse items which they continue to report without my permission which is against the law. 15 U.S. Code 1681 s-2 ( A ) ( 1 ) states clearly that " 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 1681 ( e ) ( a ) 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.

According to 15 U.S Code 6802 ( b ) ( c ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe 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 the consumer is given an explanation of how the consumer can exercise that nondisclosure option '' XXXX XXXX failed to give me the opportunity, before the time that such information was initially disclosed, to direct that such information not be disclosed to such third party. 
Experian and XXXX are not maintaining reasonable procedures.

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