Consumer complaint received 2024-04-18 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: TN

Complaint narrative:
According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and are respect for the consumers right to privacy. 
XXXX and Experian and XXXX are consumer reporting agencies. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states It is the policy of the 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. Furnisher of information to credit agencies is a financial institution by definition under that title. XXXX XXXX XXXX section XXXX section XXXX states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whomitrelates. Furnisher of information to credit agencies the financial institution and the Consumer reporting agencies XXXX and Experian and XXXX on that my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian and XXXX Furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or other wise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to another affiliated third party unlessthe consumer is given an explanation to add my discloser ( Furnisher of information to credit agencies Never informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX ( a ) ( XXXX ) states, Except as authorized under subsection b no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which ante dates the report by more than XXXX years. This account is an adverse item they are reporting again without my permission which is against the law. XXXX XXXX XXXX ( A ) ( XXXX ) A states '' A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is XXXX XXXX XXXX XXXX '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX c of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX b of this title. XXXX and Experian, XXXX are not maintaining reasonable procedures. Also XXXX XXXX states that '' A consumer may exercise the right too opt out at anytime. " I am opting out of your reporting services.

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