Consumer complaint received 2024-03-28
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. (GA)

I am writing to formally dispute the actions taken by XXXX, Experian, XXXX and XXXX XXXX XXXX XXXX XXXX regarding the sharing and reporting of my private information, which I believe flagrantly violate my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and other pertinent statutes. According to Section 602 ( a ) of the FCRA ( 15 USC 1681 ), consumer reporting agencies such as XXXX and Experian, XXXX, are obliged to carry out their responsibilities with fairness, impartiality, and a profound respect for consumers ' right to privacy. Furthermore, Section 6801 of Title 15 of the United States Code emphasizes that financial institutions, including XXXX XXXX XXXX XXXX XXXX, are under a continuous obligation to safeguard the privacy and confidentiality of their customers ' nonpublic personal information. As delineated in Section 604 ( a ) ( 2 ) of the FCRA, consumer reporting agencies may furnish consumer reports solely upon the written instructions of the consumer to whom the information pertains. I have not furnished written consent for the dissemination of my information by XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX or Experian. Consequently, any form of consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. Furthermore, Section XXXX ( b ) ( c ) mandates that financial institutions inform consumers of their right to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties. XXXX XXXX XXXX XXXX XXXX, has neglected to provide me with this crucial information, thereby depriving me of the opportunity to exercise my right to opt out. Moreover, the dissemination of adverse information without my explicit permission, as stipulated in Section 1681C ( a ) ( 5 ) of the FCRA, constitutes a clear violation of federal law. XXXX and Experian, and XXXX. are reporting adverse information without my consent, which is in direct contravention of legal statutes. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, while Section 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of the FCRA. XXXX, XXXX and Experian, are failing to comply with these essential requirements, as evident from their actions. Furthermore, in accordance with 12 CFR 1016.7, I hereby exercise my unequivocal right to opt out of your reporting services. I demand that all reporting activities pertaining to my account be ceased with immediate effect. Moreover, I would like to bring to your attention that, as per 15 U.S. Code 1666 ( b ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. In light of these grave violations of my rights as a consumer, I demand that XXXX, Experian, XXXX, and XXXX XXXX XXXX XXXX XXXX take prompt and decisive action to rectify these transgressions.