Consumer complaint received 2024-04-18
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)

In my capacity as a consumer to address serious concerns regarding the reporting practices of XXXX and Experian and XXXX consumer reporting agencies. please delete the following company for violations. 

XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 section 602 ( a ), it is stipulated that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. Furthermore, 15 USC 6801 emphasizes the obligation of financial institutions to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information.

According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish consumer reports in accordance with the written instructions of the consumer. I have not provided written consent for XXXX, Experian, or [ Furnisher of information to credit agencies ] to furnish my personal information. Therefore, any consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Moreover, XXXX XXXX XXXX ( b ) ( c ) requires financial institutions to inform consumers of their right to exercise a nondisclosure option before disclosing nonpublic personal information to nonaffiliated third parties. However, I have not been informed of this right by [ Furnisher of information to credit agencies ]. 

Additionally, XXXX XXXX XXXX ( a ) ( XXXX ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. The reporting of adverse information without my consent is a violation of this provision. 

Furthermore, XXXX XXXX Code XXXX ( A ) ( XXXX ) mandates that information furnished to consumer reporting agencies must be accurate, and XXXX XXXX Code XXXX requires consumer reporting agencies to maintain reasonable procedures to ensure compliance with FCRA provisions. XXXX and Experian are not upholding these standards, as evidenced by the inaccurate reporting of my personal information. 

Finally, according to XXXX XXXX XXXX, consumers have the right to opt out of reporting services at any time. Therefore, I am formally exercising my right to opt out of the reporting services provided by XXXX, Experian, and [ Furnisher of information to credit agencies ]. 

In light of the aforementioned violations and concerns, I expect immediate cessation of the furnishing and reporting of my personal information to consumer reporting agencies. Failure to comply with this request will result in further legal action to protect my rights under the FCRA. 
I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. 

Thank you for your prompt attention to this matter. I anticipate your compliance with my request.