Consumer complaint received 2023-12-07
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:
Greetings, XXXX XXXX XXXX here, writing to rectify all closed and negatively reported accounts displayed as of today XX/XX/XXXX on all the bureaus mainly Experian, XXXX and XXXX pertaining to my SSN account. 

unbeknownst to me after reading consumer law, The Fair Credit Reporting act These agencies are continuing to violate the consumer law policies. I did not give Experian, XXXX Nor XXXX any authority to use my information improperly by selling my information to third parties doing unseen business in violation of the Privacy Act of 1974, behind the eyes of the law, which I the consumer is protected by. for ex. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian, XXXX and XXXX are consumer reporting agencies and I am the Consumer, and deserve to be treated fairly under the FCRA. My private information isn't supposed to be shared unless the authority has been given by me. 

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. '' ( 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 circumstances 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 XXXX XXXX do not have my authority of consent to furnish this information and they surely do not have any written consent made by me. Any and all consent to, Experian, XXXX XXXX XXXX ( Furnisher of information to credit agencies ) 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 nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items they are continuously reporting repeatedly without my permission which is against the law. 15 U.S. 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 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian XXXX & XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

Please acknowledge and bring all agencies up to speed, also kindly remove all negatively reported accounts. ( Including a child support account that has been XXXX out and set off for years now. ) I would love to serve the publics debt the correct way, yet we need to do a better job at protecting the consumers rights throughout our efforts in good faith. 

Thanks in advance. 

XXXX XXXX XXXX

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