Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Subject : Follow-Up Consumer Opt-Out Dispute - Urgent Action Required On Account : XXXX XXXX And Previous Recission of Permission to Furnished Data on My Consumer Report via Affidavit of XXXX 

Dear Consumer Financial Protection Bureau, I am writing to follow up on opt-out letters dated XX/XX/, and Affidavits of XXXX  Notarized XX/XX/ in which I formally exercised my right to opt out of all authorizations, whether written or unwritten, verbal or non-verbal, that I have given to XXXX XXXX XXXX Experian, XXXX, and XXXX. This opt-out request is made in accordance with my rights as a Federally protected consumer under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

Regrettably, XXXX XXXX, Experian, XXXX, and XXXX have chosen to ignore both of my opt- out letters entirely, and my consumer information continues to be furnished without my consent. This persistent violation of my rights under the FCRA is unacceptable. 

This is an ongoing and egregious violation of my consumer rights, as detailed in my previous communications. I must assert my demand for appropriate remedies to rectify the harm caused by the continued dissemination of inaccurate and unauthorized information. 

As previously stated, I have unequivocally rescinded all permission for the furnishing of my personal information, in perpetuity, in accordance with the Fair Credit Reporting Act ( XXXX5 U.S.C 1681 ), Section 604. Despite these clear and legally binding instructions, XXXX XXXX, Experian, XXXX, and XXXX have persistently and willfully disregarded the law, leading to a severe compromise of my privacy and financial well-being. 

The repeated and intentional violation of federal statutes, including the Fair Credit Reporting Act ( 15 U.S.C 1681 ) and the Protection of Nonpublic Personal Information ( XXXX U.S.C 6801 ), raises grave concerns about XXXX XXXX, Experian, XXXX, and XXXX 's commitment to respecting the privacy and security of consumers ' nonpublic personal information. 



At This Time, I am disputing the following accounts : Company Name Account Number 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 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 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 Below shows the proof of correspondence for Opt-Out Letters and Affidavits of Suretyship sent by me to each company which have been fraudulently disregarded. See Additional Attachments for Copies of Contents Sent. 
AFFADAVIT OF SURETYSHIP Company Name : Contact Attempts Certified Mail Tracking Number 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because the first contact attempts were disregarded, I saw fit to send a second attempt ; although by law, I am not required to tell an agency more than once to have these rectified. As such, they should have been rectified after receiving the first written instruction. 

Experian XXXXXXXX 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 All attempts to have my written instruction performed properly have not been successful or rectified as of today. 

OPT-OUT LETTERS Company Name Contact Attempt for Account Number Certified Mail Tracking Number 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 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 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 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 The Above shows a list of every account that has been Opted Out of data Furnishing with American including their tracking number displaying that they have been delivered and received. All attempts to have my written instruction performed properly have not been successful or rectified as of today. 



Sincerely, 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 explanation