Consumer complaint received 2024-04-02
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. (NY)

I am notifying this company to Delete all the unauthorized " AutoLoan '' entries from my Consumer Report. These unauthorized reports by, " XXXX XXXX XXXX '' were never given permissible purpose by me nor properly disclosed to me. I want them to take immediate action. 
I have not received any disclosure from this company regarding the furnishing of my private information to my consumer report nor have I provided permission for my private information to be shared with third parties. 
According to the Federal Fair Credit Reporting Act, 15 U.S. Code 1681b ( 2a ) : Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) A clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

As the consumer, I never authorized this company to furnish any information to my consumer report, nor did I provide my social security number for this purpose. XXXX XXXX XXXX has no authority to report anything to my consumer report. The auto loan information is not public, and therefore this company is furnishing unauthorized private information, which has resulted in significant harm to my character, including credit denials. 
According to 15 U.S. Code 6801 ( a ) and 6801 ( b3 ), my original creditor, XXXX XXXX XXXX, has an obligation to safeguard my private information and confidentiality. The third-party services, Experian, XXXX, and XXXX currently has access to my private information and is making it public. This is a violation of my FCRA rights. These inaccurate unauthorized furnishings must be blocked and deleted from my consumer report as soon as possible. 
As per, 15 U.S. Code 6801 ( a ) Privacy obligation policy It is the policy of 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.

( b ) FINANCIALS institutions safeguard In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to ensure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

The unauthorized furnishing also is in violation of 15 U.S.C Code 6802 : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Please furnish me with any documentation demonstrating that I gave Permissible Purpose for these third-party companies on my consumer report. Additionally, provide proof that I was given the required FCRA disclosures. These third-party entities are in violation of selling unauthorized reports of private information. I am not requesting for Validation or Verification. Also, I am enforcing my right to Opt Out of this reporting to my consumer report.

As per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Also this account is closed, and it should reflect in the payment history. You are violating my FCRA rights by reporting charged off monthly instead of closed. The payment history must reflect a closed account. Ive counted XXXX violations regarding the account, update or delete immediately. 
Please provide me with my congressional-backed disclosures. Any further unauthorized dissemination of my private information will be treated as a serious offense of aggravated identity theft. Your immediate attention to this matter is appreciated.