Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX Hey XXXX, Thanks for reading my email. 

Just following up on my request here on the cfpb portal for additional support and assistance in resolving the matter of unauthorized use of my nonpublic personal information that employees of your financial institution have continuously avoided in their responses to my previous complaints. 

Once again I am not disputing anything. Only Re-Stating the fact that NO CONSENT IS IDENTITY THEFT! 

I simply demand CRA does its duty all items listed in the previously sent email ( and attached to this complaint ) I sent to you XX/XX/XXXX and you opened XX/XX/XXXX be blocked and deleted for identity theft under 15 U.S. Code 1681c2 by XX/XX/XXXX. 

As I explained, your financial institution is profiting on the unauthorized use of my nonpublic personal information while damaging my reputation and credit worthiness. 

I have no direct customer relationship or agreement with any of the furnishing financial institutions, including Experian. 

None of the listed financial Institutions including Experian have ever provided me with the required disclosure notices about privacy under 15 USC 6802 ( a ) to start a consumer relationship with me, or obtain my consent to publish or share my nonpublic personal information relating to these consumer transactions.

With all of the recent data breaches experienced, Im extremely concerned about the harm the unauthorized use of my nonpublic information can do to my reputation and credit worthiness. Experian can not control who has access to this information now, or judgements they make about my character based on the unauthorized publishing of this nonpublic information. 

I do not care how it was acquired, my explicit consent for any of these institutions to share, or publish my nonpublic personal in any form was not included in the acquisition. 

I have already filed my claim with the FTC, FTC report : XXXX. I have also attached documentation of my previous interactions addressing consent and privacy issues with Experian, and listed institutions that clearly illustrate my request of documentation and my actual complaint has completely danced around in your institutions responses. 

I am the consumer and the rights granted to me by congress under title XXXX are in no way trumped by your institutions internal processes and policy. I dont have to follow your procedures or comply with your request for me to sign and send further documentation after filling my report with the ftc XXXX On the contrary, the burden of proof is on Experian and the other listed financial institutions to provide proof of having my consent to share my nonpublic personal information. 

When everything is said and done, I dont want to participate in these abusive unfair extortion games. The absence of these required disclosures and notices makes any contract or agreement unenforceable. Causing the consumer transaction that derived from the agreement to be invalid, incomplete, and inaccurate and violates my rights to make a completely informed decision about the credit transaction. 

Without a valid enforceable contract this alleged debt does not exist, and all the publishing and reporting of this inaccurate unverifiable nonpublic information without my consent is identity theft and defamation.

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