Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: TX
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:
I, XXXX XXXX XXXX the consumer gave XXXX 3 NOTICES to delete information from my credit report. I have evidence of them removing and putting back. 15 U.S.C. 5802, I never received disclosures to opt out, I need that to be done as well. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. FCRA 15 USC 1681 accuracy and fairness of credit reporting ; the congress finds the following findings : An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. This is the law that governs my consumer reports/credit reports. Proof that your Credit Reporting Agency is the information highlighted on my credit report. Accuracy means all values are deemed correct, so accuracy is a measure of value. Value can only be determined by a human being/living being/natural person. So when congress references accuracy, they are leaving it up to me to determine whether my credit reports are of any value to me. Fairness is no one person is taking unjust advantage of another. So when congress references fairness, they are asking you me to decide whether my reports are just and if someone is taking an unjust advantage of you. XXXX, XXXX and Experian have all been notified. They are in violation of PRIVACY ACT OF 1974 : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). I NEVER gave you, XXXX, XXXX or Experian any written instructions to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX has caused severe stress and anxiety due to the abusive and unfair practices. No one is allowed to have or purchase my information without my consent. This is an infringement upon a consumers right to privacy. 15 USC 1692 it references individual privacy fall under abusive practices. 15 USC 1692d The use or threat of use of violence or other criminal means to harm, the physical person, reputation, or property of any person. There are 4 missed payments listed for XXXX and Experian. XXXX has 34 missed payments. According to the FCRA is {$1000.00} per violation. I want to be compensated along with compensation for Emotional Damage and Humiliation.

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