Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Now while reviewing my Consumer report, I noticed A Bankruptcy in the public record section. I requested to validate the bankruptcy. During the re-investigation you stated that the XXXX XXXX  XXXX XXXX XXXX GA reported the Bankruptcy, however the Court stated that they dont report to the Credit Reporting Agencies . In addition to the letter, you stated that you obtained the Bankruptcy from a XXXX XXXX a third party. Next, I reached out to XXXX XXXX to request Validation and they stated they are a reseller and obtained the Bankruptcy from XXXX a Database with court records. First off, as a Consumer, I never gave you written consent to share, disclose, obtain, nor sell, my non-public personal information to one another. You all are infringing my privacy and violating permissible purpose during this process and Transaction. You even mention, Easy Opt-Out on your website!!! 'I quote ' ( We provide consumers with notice and choice and make it easy for consumers to opt-out if they do not want their personal information used for marketing decisions ) Which is marketing- the activity or business of promoting and selling products or services, including market research and advertising. This is Unwanted Marketing, I dont want you selling, sharing, and disclosing my non- public personal information such as my name, date of birth and SSN nor the last four of my SSN. You are not being Transparent with me ; you are not being Trustworthy. You are making it difficult for me to purchase a home, get approved, and obtain credit. During this process and Transaction, I was an UNINFORMED CONUSMER. MY INFORMTION WAS OBTAINED UNETHICALLY. YOU HAVE DEFAMED MY CHARACTER AND YOU ARE AFFECTING MY Livelihood, Reputation and Financial Situation. You are not Giving me the Equal Opportunity to make a living. You are in Violation under the FCRA 15 USC 1681a ( 4 ) Congressional findings and statement of purpose There is a need to insure thatconsumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumers to whom it relates. The Gramm-Leach-Bliley Actseeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " non-public personal information '' to non-affiliated third parties. You can not invade my privacy per FCRA. You can not furnish information without my written consent per FCRA. Also, XXXX XXXX Removed the Bankruptcy from my consumer report therefore this bankruptcy can not be Validated. Please see attachments. XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA Stated that dont report to credit reporting agencies and third parties. Please see attachments. You can not sell, disclose, share, and obtain my Non-public personal information without my consent. 15 U.S. Code 1681n - Civil liability for willful noncompliance b ) Civil liability for knowing noncompliance Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}.

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