Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: FL
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " 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. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information nor my written consent. Any and all consent to XXXX, Experian, XXXX XXXX whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non-affiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that non-disclosure option. '' XXXX XXXX Never notified me of my right to exercise my non-disclosure option. 15 U.S. Code 1681 s2 ( A ) ( 1 ) A states, " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. " I am opting out of your reporting services. As a consumer, it is my right to protect my private information from being shared without my permission, as stated in the Fair Credit Reporting Act. The Act emphasizes that consumer reporting agencies like XXXX and Experian must exercise fairness, impartiality, and respect for the consumer 's privacy. It is essential for these agencies to understand their grave responsibilities in safeguarding our personal data. This account opened on XXXX XXXX, 2019 in the amount of XXXX dollars, XXXX XXXX, is an adverse item. They are reporting that the account is in collections, reporting the account status as derogatory, late payments and that the account is delinquent. XXXX XXXX also made remarks as account charged off as bad debt profit and loss write-off without my permission, which is a violation of the Fair Credit Reporting Act. As a consumer, it is my right to ensure that my private information isn't shared, as stated in the financial institution 's obligation to respect customer privacy and protect their nonpublic personal information. Hence, I demand any adverse items they are reporting about me without my consent be expunged. By asserting my rights, I am ensuring that these agencies uphold their obligation to respect and protect my privacy.

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