Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: TX
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:
No consent is the definition of violation of privacy. 

Without making sure a consumer reads, understands, and signs your policy, or clearly and concisely displaying option to opt out of privacy policy, a financial institution obtaining and sharing a consumers non public private financial information when they have no agreement to have any type of mutual relationship with the consumer is IDENTITY THEFT!!!! 

XXXX XXXXXXXX disregard for the law has Experian violating my right to privacy, accurate reporting, fair credit, a thorough investigation, and defaming my character by willfully neglecting my concerns about the negative item furnished on my consumer report by XXXX XXXX XXXX. 

XXXX failure to actually investigate this item after I provided clear documented proof destroying the validity of this item back in XXXX of XXXX has caused me severe damages. It has cost me multiple Job opportunities in my industry and limited my ability to secure housing of my choice. ( Apartment Maintenance, you cant work in this industry with a rent collection on your credit report, and my former employer and landlord XXXX XXXX submitted this false item as retaliation ). 

Im done playing games, I am attaching an conditional acceptance notice to this complaint that simply states if XXXX XXXX proves this debt is owed, at this same amount, and everything this I stated has no merit, Ill pay. If not, they need to pay for damaging my life, and Experian needs to pay me for the part they have played Ive never done business with XXXX XXXX. They dont have a consumer agreement with me where I ever consented to them being allowed to have or share my non public private information. 

Theyve never supplied me with their privacy policy, or a clear and concise option to opt out. 

This is a situation they clearly know nothing about because the original lease agreement with XXXX XXXX does not give XXXX or any 3rd parties the right to share my private information without my consent, they also provide no clear concise option to opt out dissolving the original agreement. I do not and have never consented to XXXX XXXX  sharing my private information and they are violating my right to privacy. They are also harassing me by insinuating I owe them anything. The item was written off and claimed on income taxes ( Already Paid, and I need a XXXX ) so are they trying to get XXXX paid twice for the same alleged debt? The amount is completely inaccurate, and I am not a consumer of XXXX XXXX  and ever owed them anything. 

I can only assume my non-public private information concerning this alleged debt was either purchased, or stolen by XXXX XXXX XXXX andIn either case, their position has no legal authority to share my information with any financial institution without my consent. And you possessing this item is illegal and truckload of violations As a financial institution, Experian is further violating my rights by using this questionably acquired inaccurate information to create a document defaming my character, damaging my credit worthiness without my consent that they are profiting from by sharing with others. 

Experian has never reached out to me for my consent, had never made sure I understood their privacy policy, or to tell me how I can opt out of what they do with my info, or to check the accuracy and validity of the information or anything about this item.

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