Consumer complaint received 2024-10-02 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: SC

Complaint narrative:
As the beneficiary of XXXX XXXX XXXX Askes the c.f.o of Experian, XXXX and XXXX XXXX XXXX XXXX and all other credit bureau agencies or companies to remove all adverse information and accounts please and thank you kindly According to the Fair credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting Agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' information isn't shared which is backed by 15 USC 6801 which states " it is 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. 15 USC 1681 section 604 a section 2 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 instruction of the consumer to whom it relates. '' ( FURNISHER OF INFORMATION TO CREDIT AGENCIES ) the financial institution and the consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( FURNISHER OF INFORMATION TO CREDIT AGENCIES ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non public personal information to a non affiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " ( FURNISHER OF INFORMATION TO CREDIT AGENCIES ) Never informed me of my right to exercise my non discloser option. Not only that 15 USC 1681 ( c ) 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 antedates the report by more than seven years. '' This account is an adverse item they are reporting again with out my permission which is against the law. 15 U.S. code section 1681 s-2 ( A ) ( 1 ) 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 inaccurate. 15 U.S. Code section 1681 e states ' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 b of this title. '' Equifax and Experian are not maintaining reasonable procedures. Also 12CFR section 1016. 7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services. a fair resolution to this situation would be to remove all adverse information on XXXX XXXX XXXX Experian account as well as XXXX and XXXX

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