Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: NC
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:
I am in receipt of the documents XXXX XXXX mailed me in regard to the auto accounts XXXX and XXXX. I noticed the signatures between the XXXX auto contracts don't match. I don't even sign my name how it appears to be signed so unless you have someone with firsthand knowledge of this transaction, this looks like forgery to me; voiding the contracts. Also, nowhere in any of these documents do I see a clear and conspicuous notice outlining my right to opt-out of the sharing of my non-public personal information ( NPI ) to nonaffiliated third parties. 

Directly from the FTC website, here is what is defined as NPI : XXXX ) any information an individual gives you to get a financial product or service ( for example, name, address, income, Social Security number, or other information on an application ) ; XXXX ) any information you get about an individual from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) ; or XXXX ) any information you get about an individual in connection with providing a financial product or service ( for example, information from court records or from a consumer report ). 

I never knowingly authorized XXXX  XXXX to share my information with any third party affiliated or not, and if I did then I hereby exercise my right to revoke that authorization because this is identity theft. I have been getting so many emails and text messages about how my personal information has been exposed to the dark web, because the information you are furnishing was included in a consumer reporting agency data breach. Not to mention the negatively reported information is also causing me to be denied of other products and services that are vital to my life, such as auto insurance. The worry is causing me mental and emotional stress as well as financial because I never know when or if a hacker will utilize my information for their own gain. 

I also noticed that these auto accounts are still being reported negatively on my credit report despite XXXX XXXX confirming its compliance with my Cease and Desist request to stop all forms of communication. Under the law, furnishing information on a consumer report is a form of communication ( The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility ), so you are in violation of my request. Please provide me with the name and contact information of the third party you sold these accounts to as well as copies of the XXXX forms for each charged off account. 

Forgery of my signature, ignoring the Gramm Leech Bliley requirements, and ignoring my cease and desist ; XXXX XXXX is causing me so much emotional stress because of this defamation of my character by furnishing negatively on my report.

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