Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: FL
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 the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.Experian, XXXX and XXXX are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. 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 Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers nonpublic personal information. " ( Furnisher of information to credit agencies ) is a financial institution by definition under that title 15 USC 1681 section 604 a section 2 states that '' In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstance and no other in accordance with the written instructions of the consumer to whom it relates. 
( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Experian, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, XXXX, and XXXX personal information. The only address that should be on my credit file is XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX and no other. XXXX XXXX acct. XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX acct. XXXX XXXX XXXX XXXX acct. XXXX XXXX XXXX XXXX XXXXXXXX acct. XXXX XXXX, have violated my federally protected consumer rights 15 U.S. C. 1681. Whether it be verbal, nonverbal, written implied or otherwise is revoked 15 U.S.C. 3802 ( b ) ( c ) states that " A Financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure options '' ( furnisher of information to credit agencies ) Never informed of my rights to exercise my nondisclosure options. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information any other records of convictions of crime which antedates the report by more that seven years " This account is an adverse item that are reporting again without my permission which is against the law 15 USC Code 1681s2 ( 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 USC Code 1681e states " Every consumer reporting shall maintain reasonable procedures designed to avoid violation of section 1681 b of this title Experian, XXXX and XXXX are not maintaining reasonable procedures, also 12 CFR 1061.7 states that " A consumer may may exercise the right to opt out at any time " I am opting out of your reporting services.

Company response to consumer: In progress