Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
according to the Fair Credit Reporting Act 15 U.S Code 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness impartiality and a respect for the consumers privacy. in this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the named consumer reporting agencies, and I am the Consumer and injured party. let me explain, I have the right to make sure my private information isn't shared and that privileged is backed by 15 U.S code 6801 which states 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. " ( Furnishers of information to credit agencies ) is a financial institution by definition under that title! 15 USC1681 section 604 ( a ) section 2 states 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 written instruction of the consumer to whom it relates. '' ( Furnishers of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, XXXX, XXXX XXXX and Experian do not have my express written consent to furnish this information and they most definitely do not have my permission or consent. Any and all consent to XXXX, XXXX, XXXX, or Experian ( Furbishers of information to credit agencies ) whether it be verbal, nonverbal, written, implied or otherwise is revoked. 15 U.S Code 6802 ( b ) ( c ) state that '' A Financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless-the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' ( Furnishers of information to credit agencies ) Never informed me of my rights to exercise my nondisclosure option. In addition, 15 U.S code 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records n of convictions of crimes which antedates the report by more than seven years. this account is an adverse item they are reporting again without my expressed written permission which is against the law. 15 U.S Code1681s-2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S code 1681 states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of sec tion 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also to reference 12 CFR 1016.7 state 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