Consumer complaint received 2024-01-10 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:
Dear XXXX/Experian/XXXX, I am writing to address concerns regarding the handling and sharing of my personal information in accordance with the Fair Credit Reporting Act ( FCRA ) and related statutes. As outlined in the FCRA, Section 602 ( a ) emphasizes the necessity for consumer reporting agencies to conduct their responsibilities with fairness, impartiality, and a commitment to preserving consumers ' right to privacy. 

Both XXXX and Experian operate as consumer reporting agencies, and as a consumer, I wish to assert my rights to ensure the confidentiality of my private information. Section 6801 of the FCRA underscores the obligation of financial institutions, including entities furnishing information to credit agencies, to uphold the privacy and security of customers ' nonpublic personal information. It is crucial to note that the entity in question falls under this definition as a financial institution. 
Moreover, Section 604 ( a ) ( 2 ) of USC 1681 specifies that consumer reporting agencies may furnish consumer reports solely in accordance with the written instructions of the concerned consumer. Neither the aforementioned financial institution nor the consumer reporting agencies, XXXX and Experian, have obtained my explicit consent to furnish this information. Any form of consent, whether express or implied, previously given to XXXX, Experian, or the entity providing information to credit agencies, is hereby revoked. 

Section 6802 ( b ) ( c ) of the FCRA mandates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise nondisclosure. Regrettably, I was never provided with information about my right to exercise this option. 

Furthermore, Section 1681C ( a ) ( 5 ) stipulates that no consumer reporting agency can include certain adverse items of information in a consumer report without proper authorization. The inclusion of such information without my consent violates this provision of the law.

In addition, Sections 1681s2 ( A ) ( 1 ) and 1681e necessitate consumer reporting agencies to maintain accurate information and implement procedures to prevent violations of the FCRA. It appears that XXXX, Experian, and XXXX may not be upholding these standards, as indicated by the concerns raised. 

I urge your immediate attention to rectify these issues and ensure compliance with the Fair Credit Reporting Act. I request confirmation of the cessation of sharing my information and an update on the corrective measures taken. 

I Demand These Credit Reporting Agencies Lower The Utilization Of All My Credit Card Product ( s ) Balances To Be Shown As 0 % Utilization Effective Immediately. It Is Causing Me Emotional Distress, Physical And Mental Pain. I Also Demand These Credit Reporting Agencies Do Not Stall Me By Asking For 60 Day Extensions As I Am Acting In Good Faith. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, XXXX 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