Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: AZ
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:
I have reasonable cause to believe that my nonpublic personal information is being shared without my lawful consent. I understand that the GRAMM-LEACH-BLILEY ACT XXXX ( MODERN MODERNIZATION ACT XXXX ) was created to ensure financial institutions companies that offer consumers financial products or services like loans, financial or investment advice, or insurance to explain their information-sharing practices to their customers and to safeguard sensitive data. And as you know nonpublic personal information is the personal information covered by the GRAMM- LEACH- BLILEY ACT is termed nonpublic personal information, which means personally identifiable financial information provided by a consumer to a financial institution ; resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained. And the consumer only has Two federal laws that cover my personal financial privacy The Fair Credit Reporting Act and the Gramm-Leach-Bliley Act. Financial Institutions when they are in compliance safeguard my private information that must be secured against unauthorized access. 
And they must notify me the customer of my private information being shared between financial institutions and third parties and I have the ability to opt out of private information sharing. Which has not happened I found out by looking at my consumer reports being collected and shared by XXXX, Experian, XXXX and I saw that there allowing my nonpublic personal information to be shared with affiliated and nonaffiliated unauthorized third parties. 15 US CODE 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. On XX/XX/XXXX and again on XX/XX/XXXX I sent certified letters to XXXX, Experian XXXX and the financial institutions " opting out '' stopping of sharing of my nonpublic personal information with each other and with other and nonaffiliated unauthorized third parties. But I have gotten no response, no acknowledgment that they are or will comply under the GRAMM-LEACH-BLILEY ACT and the FAIR CREDIT REPORTING ACT 15 US CODE 6801 ( A ) ( B ) .Here is a list of financial institutions with the account # s that they are sharing of my nonpublic personal information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So to be clear I never gave any of the credit agencies or institutions written authorization, lawful consent, to share my nonpublic personal information with affiliated or non affiliated parties. They never notified me, they never gave me a chance to " opt out '' and if so it wasn't clear or conspicuous to me. I was never given time to review the information and say " NO '' to the information sharing. 
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