Consumer complaint received 2025-03-19 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Consumer Financial Protection Bureau Subject : Unauthorized Reporting and Violation of Consumer Rights Dear CFPB Representative, I have noticed a list of misinformation being furnished to my credit report without any written or electronic communication as a consumer, which is violating my right to privacy with fairness, impartiality, and respect. As a consumer of my credit report, I have not received any written or electronic form that my nonpublic personal information be disclosed to this agency, nor given the opportunity to opt out of the disclosure, which is in direct violation of 15 U.S. Code 6802.

This agency continues to violate my consumer report by not only furnishing information on my report but doing so without any written instructions from me according to 15 U.S. Code 1681.

Credit reporting agencies can not receive, furnish, sell, or share a consumer 's personal information without respecting their right to privacy, nor give written or electronic forms of such disclosures and receive written instructions from the consumer, which leads to 18 U.S. Code 1028A.

Furthermore, this agency is strictly prohibited from selling, sharing, or transferring my personal information, including my account details, to any third-party collection agency without my express written consent. Any attempt to do so constitutes a direct violation of 15 U.S. Code 6802 ( b ) & ( c ) and the Fair Debt Collection Practices Act ( FDCPA ).

This agency knowingly possesses my nonpublic information without any lawful authority and continues to use my information by furnishing a report, which is a direct case of identity theft.

None of the information below is related to a transaction done by me as a consumer. I demand that the information listed below be blocked and deleted from my credit report no later than 4 days after receiving my request. These transactions are not related to any transactions done by me.

To be BLOCKED and REMOVED : CHARGE-OFF ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXXXXXX XXXX This company transferred my nonpublic personal information without lawful authority and failed to give an explanation on how to opt out of disclosure, nor the opportunity to do so according to 15 U.S. Code 6802A.

According to 15 U.S. Code 1681b ( 2 ), this company must receive written instructions from me, the consumer, to furnish any items. I DID NOT WRITE ANYTHING TO THIS COMPANY TO ALLOW THIS.

Additionally, I demand that this company cease and desist from selling, transferring, or disclosing any of my personal or account information to any third-party collection agencies. This includes any form of communication with debt buyers or collection agencies regarding this account.

This company is violating my rights, which is illegal. Cease and desist all communication ; communication through any medium according to 15 U.S. Code 1692a ( 2 ) so now block and delete. 

Sincerely, XXXX XXXX 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