Consumer complaint received 2024-09-29 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 would like to draw your attention to the Fair Credit Reporting Act ( 15 U.S.C. 1681, Section 602 ( a ) ), which underscores the importance of consumer reporting agencies in upholding their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I value the essential role that agencies like XXXX and Experian play in maintaining accurate credit information, and I believe its crucial that my personal information is treated with the utmost care and confidentiality. Under 15 U.S.C. 6801, Congress emphasizes that financial institutions have a continuous obligation to respect their customers privacy and protect their nonpublic personal information. Given that furnishers of information to credit agencies fall under this definition, I feel it is important to clarify the permissions regarding the sharing of my personal data. According to 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may furnish consumer reports only under specific circumstances, which include obtaining the written consent of the consumer involved. At this time, I have not provided such consent to either XXXX or Experian for the sharing of my information. Therefore, I respectfully revoke any prior consentwhether verbal, non-verbal, written, implied, or otherwise that may have been assumed or given.

Additionally, I formally request the removal of student records from my credit report in accordance with the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g ( b ). This important federal law, enacted in 1974, protects the privacy of student education records and applies to all public and private elementary, secondary, and post-secondary schools.

I would also like to discuss the obligation to correct errors across all agencies. Under FCRA Section 623 ( a ) ( 2 ), since an error has been corrected at one agency ( XXXX ), I believe it is essential that this correction is reflected at all relevant agencies to ensure consistency. I appreciate that XXXX has removed all adverse and derogatory accounts as well as obsolete addresses. Moreover, 15 U.S.C. 6802 ( b ) ( c ) states that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing consumers of their right to opt out. Unfortunately, I was not informed of this option, and I would greatly appreciate any clarification regarding the processes in place to inform consumers.

Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that, unless authorized by subsection ( b ), no consumer reporting agency may issue a report containing certain adverse information that predates the report by more than seven years. I am concerned that the adverse account currently being reported lacks my consent, which raises important questions about compliance with this regulation. In accordance with 15 U.S.C. 1681s2 ( A ) ( 1 ), it is vital for furnishers of information to refrain from reporting inaccuracies. Moreover, 15 U.S.C. 1681e mandates that consumer reporting agencies implement reasonable procedures to prevent violations of 1681c and to limit the furnishing of consumer reports to permitted purposes outlined in 1681b. I trust that XXXX and Experian are committed to these standards and would appreciate your guidance on ensuring compliance. Lastly, 12 CFR 1016.7 affirms that consumers have the right to opt out at any time. In light of this, I would like to exercise my right to opt out of your reporting services. I genuinely appreciate your attention to this matter and look forward to working collaboratively to ensure the privacy and accuracy of my information.

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