Consumer complaint received 2024-08-23
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. (FL)

Dear Experian Customer Service, I am writing to express my deep concern and dissatisfaction regarding a significant violation of my privacy rights { PRIVACY ACT OF 1974 } by Experian. Recently, I discovered that my personal and sensitive financial information, including all my bank transactions, loan amounts, and missed payments, has been disclosed in a manner that has left me exposed to potential identity theft and fraud. 

This unwarranted exposure of my financial data has not only compromised my privacy but has also placed me in a vulnerable position where my personal information has been & could be misused by unauthorized individuals. As a trusted credit reporting agency, Experian has a duty to protect the confidentiality and security of my personal information. However, by making such detailed financial information accessible, you have failed to uphold this responsibility. 

The potential consequences of this breach are extremely concerning. I am now at increased risk of identity theft and fraud, which could result in significant financial loss and long-term damage to my creditworthiness. The distress and XXXX  caused by this situation are immeasurable. 

Further the FCRA disagrees with consumers private information being broadcasted, in the manner to which you have. It is also my understanding that credit reporting bureaus have particular codes that signify details without exposing their clients to the potential risks that I have stated above. If we can not come to a proper, correct & FAIR CREDIT REPORTING ACT standard of a solution I have no choice to inform higher channels such as the FTC { FEDERAL TRADE COMMISSION }, OCC { OFFICE OF THE COM CONTROLLER OF THE CURRENCY } & The SEC { SECURITIES AND EXCHANGE COMMISSION }. 

Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
The term consumer means an individual. 
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 ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31