Consumer complaint received 2025-04-27 00:00:00
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.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX  and its practices regarding the reporting of my credit information to various credit reporting agencies. This complaint is based on several violations of federal law as outlined in the Fair Credit Reporting Act ( FCRA ) and related statutes. 
Background On XX/XX/year>, I received a letter from XXXX XXXX  that included references to certain credit bureau agencies. In this correspondence, it was implied that these agencies were authorized to report on my credit history and status. However, I believe that this representation is misleading and deceptive for several reasons. 
Rebuttal of Authority First and foremost, I would like to rebut the authority claimed by XXXX XXXX  in their communication regarding the alleged credit bureau agents mentioned thereinspecifically XXXX, XXXX, Experian, and XXXX. According to XXXX XXXX. XXXX, the term " Bureau '' refers specifically to the Bureau of Consumer Financial Protection ( CFPB ). The use of the term " bureau '' in relation to these entities misrepresents their function and authority under federal law. 

Furthermore, under XXXX XXXX. XXXX ( d ), there are specific exclusions regarding what constitutes a consumer reporting agency. The entities referenced by XXXX XXXX  do not meet the criteria set forth in this statute for authorized reporting agencies concerning my personal financial information. 

Unauthorized Use of Information Additionally, per XXXX U.S.C. XXXX ( d ), I have the right to prohibit any information contained in my consumer file from being used in connection with any credit or insurance transaction without my explicit consent. The letter from XXXX XXXX fails to acknowledge this right and suggests that they may continue reporting my information without proper authorization. 

To exercise my rights under this statute, I am notifying you that I do not authorize any use of my personal information by these alleged credit bureau agents for any purpose related to credit or insurance transactions. 

Request for Action In light of these violations : Cease Reporting : I hereby instruct XXXX XXXX  to immediately cease all reporting activities related to my account with any consumer reporting agency mentioned in their letter dated XX/XX/year>. 

Remove Nonpublic Personal Information : Additionally, I request that all nonpublic personally identifiable information ( PII ) entries associated with my account be removed from these reports due to potential identity theft concerns. 

Initiate Arbitration : Furthermore, I authorize the initiation of arbitration regarding equity and interest related to my account as well as security collateral deposits associated with me as an applicant and Social Security cardholder. 
Response Timeframe : Please consider this notice urgent ; I expect a response within XXXX ( XXXX ) days confirming receipt of this complaint and outlining your intended actions regarding these matters. 
NOTICE : I do not consent to the reporting of my information to any unafiliated third parties mentioned in letter by XXXX XXXX. Further reporting is unauthorized use and potential identity theft. Please cease and desist reporting or void agreement for breach of trust.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation