Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: NM
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:
According to 15 USC 1681b ( A ) ( 2 ), subject to subsection ( c ), a consumer reporting agency may ONLY furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. 

Experian, XXXX and XXXX have violated my rights under 15 USC 1682b ( a ) ( 2 ) by refusing to furnish only in accordance with my written instructions. Furthermore, Experian, Equifax and Transunion, have violated my rights according to 15 USC 6802b, by not clearly and conspicuously stating that my information would be disclosed. And still further, I was not given the 3 notices of disclosure required by 15 USC 6802b, nor was I given the chance to opt out of the disclosure of my personal information.

Using my personal information in a way that is not in accordance with my written instructions, subject to subsection ( c ), is fraudulent activity and is a violation of my rights under 15 USC 1681b ( A ) ( 2 ). If continued, will result in a lawsuit for identity theft and fraudulent activity on behalf of Experian, XXXX and XXXX. 

If Experian, XXXX and XXXX will not abide by my written instructions pursuant 15 USC 1681b ( a ) ( 2 ), and my right to non-disclosure pursuant 15 USC 6802b, I am prepared and ready to seek any and all remedies allowed by law pursuant 15 USC 1692K. ( {$1000.00} for each violation of my rights, up to {$500000.00} ) I am now giving written instructions for Experian, XXXX and XXXX to all delete and cease from furnishing the following accounts to my consumer report, and to any and all non-affiliated 3rd parties : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Truly, pursuant 15 USC 6802b , Experian, XXXX and XXXX have collectively failed to send me the disclosure notices that clearly and conspicuously inform me of any disclosures of my personal information before disclosing my information. Also and collectively have neglected to comply with 15 USC 6802b by failing to give me clear and conspicuous notice of how my information will be used, by refusing to give me the chance to opt out of disclosing my information and by not providing to me the proper way to exercise my right of non-disclosure.

I now and truly deny all said disclosures and invoke my right of non-disclosure pursuant to 15 USC 6802b. I give clear and conspicuous written instructions according to 15 USC 1681b ( a ) ( 2 ), for Experian, XXXX and XXXX to NOT furnish ANY and delete ALL of the aforementioned accounts to and from my consumer report and to not disclose any of the aforementioned accounts to any non-affiliated 3rd party. 

Failure to comply with my consumer rights will result in a lawsuit for identity theft and fraudulent activity on Experian, XXXX and XXXX, and I am prepared to seek full damages pursuant to 15 USC 1692K. ( {$1000.00} for each violation of my rights, up to {$500000.00} ) Thank you for your attention in this matter. I trust that you will handle this matter in accordance with my written instructions as required by law.

( 15 USC 1681b a2 ) Truly, XXXX XXXX XXXX All rights reserved. UCC 1-308, without prejudice

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