Consumer complaint received 2024-08-15 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: MI

Complaint narrative:
Per the Fair Credit Reporting Act 15 USC 1681 SEC 602 clearly states that " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and respect for the consumer 's right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies, and I am the Consumer. As the Consumer I have the right to make sure my private information isn't shared which per 15 USC 6801 back it by stating " It is the policy of 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. " ( DEPT OF EDXXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 SEC 604a section 2 states that that " In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( DEPT OF EDXXXX ) THE FINANCIAL INSTITUTION and the Consumer reporting agencies XXXX, XXXX, EXPERIAN do not have my consent to furnish this information, and they absolutely Do Not have my written consent. Any and all consent to XXXX, EXPERIAN, XXXX, and DEPT OF EDUXXXX XXXX WHETHER IT BE VERBAL, NON- VERBAL, WRITTEN, UN WRITTEN , IMPLIED, OR OTHERWISE IS REVOKED. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given explanation of how the consumer can exercise that nondisclosure option. '' DEPT OF EDUXXXX NEVER INFORMED ME OF MY RIGHT TO EXERCISE MY NON-DISCLOSURE OPTION. Not only that per 15 USC 1681C ( a ) ( 5 ) states '' Execpt as authorized under subsection ( b ), but no consumer reporting agency may also make any consumer report containing any of the following items of information Any other adverse item of information, Other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is in adverse item they are reporting again without my permission which is against the law. 15 USC CODE 1681S-2 ( A ) ( 1 ) A 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 USC 1681e 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 the consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX, AND EXPERIAN ARE NOT maintaining reasonable procedures. And to add 12CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services.

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