Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: OH
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:
Notice To creditors and credit Agencies this is an official statement I officially opt out of all credit reporting Invoking my consumer rights under permissible purpose Due to unfair credit reporting and fraudulent activity on my credit report from credit cards and Credit Agencies, XXXX, XXXX, and Experian after They have continued to display unfair reporting practices so for the following accounts on my credit report I opt out of all credit reporting due to permissible purpose consumer laws. 
For more information Consumer laws cited below. 

Notice to all credit reporting agencies and creditors I ___________ Send this communication to notify all agencies There are several accounts are in violation of 15 USC 1681b Of the consumer reporting act Permissible purpose Take note of the following laws 15 U.S. Code 1681b - Permissible purposes of consumer report.

LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681b Quick search by citation : Title enter title.

Section section 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.

( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 
If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) The consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.

Notice to XXXX, XXXX, Experian Consumer financial protection bureau I choose to opt out of the following credit reporting The following companies have not asked properly my permission for credit reporting and I choose to Activate my consumer options according to 15 USC 1682B To opt out of Their monthly credit reporting according To permissible purpose consumer law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________________________________________________________________________________________________________________________________________________________________________________________________

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