Consumer complaint received 2024-04-02 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: NJ

Complaint narrative:
According to 15 USC 1681 ( Congressional findings and statement of purpose ) ( b ) Reasonable procedures, " It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. '' XXXX, XXXX, and Experian are reporting agencies with me being the Consumer. Meaning I have the right by law to make sure my private information isn't shared. This is backed by 15 USC 6801 ( a ) Privacy obligation policy, 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.15 U.S. Code 6805 - Enforcement '' ( a ) In generalSubject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) are financial institutions by definition of the title subject to this. 15 USC 1681 section 604. Permissible purposes of reports ; states A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruc- tions of the consumer to whom it relates. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) the financial institutions and the Consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information and neither did they have my written consent. Any and all consent to XXXX, XXXX, and Experian ; ( XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), whether it was verbal, non-verbal, written, implied or otherwise is and was revoked. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements, " a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless -- - ( C ) " the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) never informed me of my rights to exercise my non disclosure options either. Also 15 USC 1681 ( a ) Information excluded from consumer reports states ; " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information '' : ( 5 ) " Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are an adverse action item that they are reporting without my permission which is against the LAW. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) ( 1 ) ( a ) Reporting information with actual knowledge of errors 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 1681e - Compliance procedures ( a ) Identity and purposes of credit users states : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX, and Experian are not maintaining reasonable procedures. Also this can be found via THE PRIVACY ACT OF XXXX Public Law 93-579, as codified at XXXX U.S.C. 552a. XXXX XXXX XXXX, is also reporting charged off debt on my credit file and charged off debt is considered a certificate of indebtedness, which essentially is income, and income can not be reported on my credit file. 
Via 20 U.S. Code 1232g - Family educational and privacy rights - It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an eligible student, or if the student is a minor, the students parents. ( DEPT OF ED / XXXX ) is reporting transaction history based off my education records and I did not give them permission to do so. Lastly ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting transaction history to my credit file, which is illegal. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''

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 non-monetary relief