Consumer complaint received 2024-05-01 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: HI

Complaint narrative:
See attached files for dates and times ranging from XXXX - XXXX of communication between myself and Experian, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXXDept of Education XXXX XXXX and the third parties agencies that the above furnishers provided my utilization history to without offering me the right to opt out, as commanded in 15 U.S. Code 6802 ( a ) ( b ) - Obligations with respect to disclosures of personal information, 15 U.S. Code 6802 ( a ), 15 U.S. Code 6802 ( b ) These third party collection agencies include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each Credit Bureau , Experian, XXXX, and XXXX violated me by failing to adhere to all of the listed guidelines set up to protect my consumer rights as per the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it emphasizes the importance of ensuring that consumer reporting agencies handle their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. XXXX, XXXX and Experian, being consumer reporting agencies, must adhere to these principles. Under 15 USC 6801, it's Congress 's policy that financial institutions uphold their customers ' privacy and safeguard their nonpublic personal information. The entities providing information to credit agencies fall under this definition of financial institutions. 
According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish consumer reports based on the explicit written instructions of the concerned consumer. Therefore, neither the financial institution nor the consumer reporting agencies, XXXX, XXXX and Experian, have obtained my consent or written authorization to furnish this information. I hereby revoke any previous consent, whether expressed verbally, non-verbally, in writing, or implied. 
Furthermore, 15 USC 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers about their right to opt out of information disclosure to nonaffiliated third parties. However, the entity providing information to credit agencies failed to provide me with this option. 
The reporting of adverse items without my permission also violates 15 USC 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including certain information in reports without authorization. 
Title 15 USC, specifically under 15 U.S. Code 1681b, it is illegal for certain transactions to be reported on a consumer credit report without the written permission of the consumer involved. I was never offered nor did i give permission in any form Moreover, according to 15 U.S. Code 1681s2 ( a ) ( 1 ), it's unlawful to furnish inaccurate information to consumer reporting agencies. XXXX, XXXX and Experian are failing to maintain reasonable procedures, as required by 15 U.S. Code 1681e, to prevent violations of FCRA sections 1681c and 1681b. 

Additionally, all of this has caused me massive emotional distress and suffering due to these companies abusing their position and violating me. My life has been a nightmare and I have suffered because of the violation of Title 15 USC, specifically under 15 U.S. Code 1681b, where it is illegal for certain transactions to be reported on a consumer credit report without the written permission of the consumer involved. This provision outlines permissible purposes for consumer reports, which include instances where the transaction consists of a firm offer of credit or insurance and where the consumer has granted consent.

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