Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I am writing a complaint to address several violations of my federally protected rights under the Fair Credit Reporting Act ( FCRA ) and related regulations by Experian. My grievances are as follows : 1. Enforcement and Consumer Rights 15 U.S. Code 6805 Enforcement : - Regulatory Oversight : This section mandates that the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission enforce regulations to protect consumer privacy rights. Experian, as a consumer reporting agency, must comply with these regulations.

2. Violations of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ) : - Fairness and Privacy : This section emphasizes that consumer reporting agencies must conduct their duties with fairness, impartiality, and a regard for the privacy rights of consumers. Experian has not ensured the protection of my private information.

15 USC 6801 : - Privacy and Security : Financial institutions, including consumer reporting agencies, must honor the privacy and security of customers ' nonpublic personal information. Experian has failed to uphold this standard.

15 USC 1681 section 604 ( a ) ( 2 ) : - Written Consent Requirement : Consumer reporting agencies may only furnish a consumer report with the written instructions of the consumer. Neither Experian nor any related banks have obtained my written consent for such disclosures. Any previous form of consent ( verbal, non-verbal, written, implied, or otherwise ) given to Experian is hereby revoked.

15 U.S. Code 1681e : - Reasonable Procedures : Consumer reporting agencies must maintain reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to permissible purposes. Experian has not upheld these procedures.

3. Additional Grievances Privacy Act of 1974 ( 5 U.S. Code 552a ) : - Unauthorized Disclosure : Experian has disclosed my records without my written consent, violating my privacy rights.

- Part 1016 - Privacy of Consumer Financial Information ( Regulation P ), 12 CFR 1016.7 : - Opt-Out Notice : Experian did not provide a clear and conspicuous notice of my right to opt out of disclosures to nonaffiliated third parties.

4. Definitions and Further Violations 15 U.S. Code 1681a : - Consumer Reporting Agency : Defined as any person who regularly engages in assembling or evaluating consumer credit information for furnishing consumer reports to third parties. This includes the use of any means or facility of interstate commerce.

15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : - Permissible Furnishing : Subject to subsection ( c ), a consumer report can only be furnished in accordance with the written instructions of the consumer. Experian has violated this provision.

Public Law 90-321 ( 82 Stat. 146 ) : - Authorized Requests : Reports can only be obtained in response to a request by the head of a State or local child support enforcement agency, or a State or local government official authorized by such an agency.

Based on these provisions, Experian has violated my federally protected rights by reporting transaction history on my credit report ( including balances, late payments, credit limits, utilization, etc. ).

I trust that this complaint sufficiently outlines my grievances and the relevant legal frameworks supporting my claims. Thank you.