Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX Account # XXXX The reporting of these account ( XXXX ) is/are violations of 15 USC 1681a XXXX The Fair Credit Reporting Act [ 15 USC 1681 XXXX a ) ( XXXX ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph XXXX XXXX  ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

I am writing in regard to the above-referenced account/s and transactions. The vehicle purchased at XXXXXXXX XXXX XXXXXXXX XXXX and financed though XXXX XXXX XXXX. 

I have recently come across information from the XXXX XXXX XXXX XXXX XXXX XXXX more specifically the XXXX XXXX XXXX XXXX XXXX obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated XXXX  party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with XXXX XXXXXXXX of this title. 
( b ) OPT OUT ( XXXX ) IN XXXX XXXX XXXX may not disclose nonpublic personal information to a nonaffiliated XXXX party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under XXXX XXXXXXXX of this title, that such information may be disclosed to such XXXX party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such XXXX party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

( XXXXXXXX XXXX XXXX XXXX XXXX ) did not disclose this information to me that is required by federal law. 
( XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated XXXX parties. 
( XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. 

You are in violations of several federal law you have XXXXXXXX XXXX XXXX from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my XXXXXXXX XXXX that this information is on. 

Should you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter I will be coming after you for damages and I will use the contents of this correspondence as proof of such decision. 
15 USC 1691 a ( XXXX ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( XXXX ) on the basis of race, XXXX, religion, national origin, XXXX or marital status, or age ( provided the applicant has the capacity to contract ) ; ( XXXX ) because all or part of the applicants income derives from any public assistance program ; or ( XXXX ) because the applicant has in good faith exercised any right under this chapter.

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