Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am lodging this formal complaint against XXXX, Experian, XXXX and XXXX XXXX XXXX  hereafter referred to as 'the Respondents ', for their failure to comply with various statutes under the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and other relevant laws. I have tried to reach out to all the respondents to have them comply with regulatory laws and each attempt has brought no resolution. My complaint specifically cites violations included but not limited to 15 USC 1681, 15 USC 6801, 15 USC 6802, 15 U.S. Code 1681s2 ( A ) ( 1 ), 15 U.S. Code 1681e, and 12 CFR 1016.7.

Violation of FCRA 15 USC 1681 and GLBA 15 USC 6801 : XXXX XXXX, and Experian, as consumer reporting agencies, along with XXXX XXXX XXXX, have failed to exercise their responsibilities with fairness, impartiality, and respect for my right to privacy. They have unlawfully shared and reported my nonpublic personal information without my consent.

Additionally, The Respondents have violated FCRA 15 USC 1681 section 604 a section 2 : by not obtaining my written consent to furnish information about my account, a requirement explicitly stated in the FCRA.

Furthermore a violation of GLBA 15 USC 6801-6805 : XXXX XXXXXXXX XXXX XXXX has not informed me of my right to exercise my nondisclosure option, nor have they provided an explanation of how to do so. Pursuant to the provisions of the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ) and the Privacy of Consumer Financial Information regulations ( 16 CFR 313 ), I assert my right as a consumer to opt out of the sharing of my nonpublic personal information ( letter attached ). Despite my legitimate entitlement to this right, XXXX XXXXXXXX XXXX from whom I have obtained financial services, has failed to provide me with the requisite opportunity to opt out as mandated by law. Specifically, under 15 USC 6801-6805, financial institutions are obligated to respect the privacy of their customers and protect the confidentiality of their nonpublic personal information. In line with this, 16 CFR 313 requires institutions to clearly and conspicuously inform customers of their right to opt out of information sharing with nonaffiliated third parties. My experiences with XXXX XXXXXXXX XXXX are in direct violation of these regulations. At no point during my engagement with XXXX XXXXXXXX XXXX was I presented with an opt-out notice or given an explanation of my rights in this regard, a clear oversight of their legal responsibilities. Furthermore, when I proactively sent an opt-out letter to XXXX XXXX XXXX , expressing my desire to restrict the sharing of my personal information, my request was met with no response, further demonstrating their non-compliance with the relevant consumer protection statutes.This failure not only represents a disregard for the legal mandates set forth by 15 USC 6801-6805 and 16 CFR 313 but also infringes upon my rights as a consumer. The lack of acknowledgment or action in response to my opt-out request has potentially exposed my personal financial information to unwarranted sharing and use.

Lastly a violation of FCRA 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e & g : The information being reported is inaccurate, and the Respondents ( Experian, XXXX, and XXXX ) have failed to maintain reasonable procedures to ensure the accuracy and legality of the information furnished. I have contacted all agencies expressing the inaccurate information being furnished on my consumer report found in the letter provided with this complaint. This inaccurate information includes but is not limited to legal names and addresses ( all stated in letters provided ). I have also asked these agencies to provide legitimate proof and to verify all records furnished on my reports regarding inquiries and to remove them until they can do so ( also stated in letters provided ). 
The actions of the Respondents have led to significant financial and personal harm, including but limited to damages to my credit score, denial of credit, emotional distress, and social embarrassment Given the clear violations of the aforementioned statutes, I demand the following actions : Immediate investigation into the practices of the Respondents.

Correction and removal of all inaccurate and unlawfully reported information from my credit reports.

Compensation for damages resulting from these violations.

I expect the CFPB to take prompt and effective action in response to these serious violations. The resolution of this matter is of utmost importance to my financial well-being and legal rights.

Thank you for your attention to this urgent matter. Please contact me at XXXX for any further information or clarification.

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