Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: NY
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:
Concurring to the Reasonable Credit Detailing Act 15 USC 1681 area 602 a states '' There may be a have to be guaranteed that buyer announcing offices work out their graveresponsibilities with reasonableness, unbiasedness, and a regard for the consumers rightto privacy. '' XXXX and Experian are buyer announcing organizations and I am XXXX. I have the proper to form beyond any doubt my private data isn't shared whichis supported by 15 USC 6801 which states '' It is the approach of the XXXX that eachfinancial institution has an certifiable and continuing obligation to regard theprivacy of its clients and to secure the security and privacy of thosecustomers nonpublic individual information. '' ( Furnisher of data tocredit offices ) could be a monetary institution by definition beneath that title. 15 USC1681 segment 604 a segment 2 states that " In common Subject to subsection ( c ), anyconsumer announcing office may outfit a buyer report beneath the followingcircumstances and no other : in agreement with the composed enlightening of theconsumer to whom it relates. '' ( Furnisher of data to credit offices ) thefinancial institution and the Customer announcing offices XXXX and XXXX not have my assent to outfit this data and they without a doubt don't havemy composed assent. Any and all assent to XXXX, Experian, ( XXXX ofinformation to credit offices ) whether it be verbal, non-verbal, composed, impliedor something else is denied. 15 USC 6802 ( b ) ( c ) states that " A money related institutionmay not uncover nonpublic personal information to a nonaffiliated third partyunless the buyer is given an clarification of how the shopper can exercisethat nondisclosure option. '' ( Furnisher of data to credit organizations ) Neverinformed me of my right to work out my nondisclosure choice. Not as it were that 15USC 1681C ( a ) ( 5 ) states '' But as authorized beneath subsection ( b ), no consumerreporting organization may make any customer report containing any of the followingitems of data Any other antagonistic thing of information, other than records ofconvictions of violations which precedes the report by more than seven a long time. '' XXXX is an unfavorable thing they are announcing once more without my consent which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A individual should notfurnish any data relating to a buyer to any customer detailing agencyif the individual knows or has sensible cause to accept that the data isinaccurate. 15 U.S. Code 1681e states '' Each customer announcing organization shallmaintain sensible strategies outlined to maintain a strategic distance from infringement of area 1681c ofthis title and to constrain the outfitting of shopper reports to the purposes listedunder area 1681b of this title. XXXX and Experian are not maintainingreasonable strategies. Moreover 12 CFR 1016.7 states that " A shopper mayexercise the proper to select out at any time. '' I am picking out of your reportingservices.

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