Consumer complaint received 2024-04-14 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: CA

Complaint narrative:
I recently received a copy of my most updated credit report from all 3 NCRA ( XXXX, XXXX, Experian ) as well as XXXX XXXX XXXX XXXXXXXX XXXX and XXXX  XXXX XXXX are currently violating my federally protected rights and are subject to fines upwards of {$1000.00} per violation for sharing my nonpublic financial information without my knowledge or consent which is a direct violation of 15 USC 6802 ( b ) and 15 USC 1681e. Per 12 CFR1016.4 ( a ) I was not given notice or an option to opt out at any time. As a federally protected consumer, I am exercising my right by opting out of ANY and ALL authorization I, the consumer, may have given to the NCRA, XXXX XXXX XXXXXXXX, XXXX XXXX, or any creditor written, unwritten, verbal and nonverbal. Per 15 USC 6802, I am also opting out of any and all authorization to PROVIDE my information to a third party effective immediately and indefinitely. Per 15 USC 6801 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. Congress also states in subsection ( 3 ) of 15 USC 6801 that these institutions must : protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. By unlawfully sharing derogatory information in my name with unaffiliated third parties without my knowledge and/or consent, I have suffered damages by way of mental stress, financial hardship, inability to provide for my family or myself by not being approved for loans, decreased credit limits during a time of epic inflation, loan denials and higher interest rates. It is disheartening that each of the NCRA do not abide by federal law unless a consumer reports them to CFPB. 15 USC 6802 ( a ) states Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. XXXX XXXX failed to provide me with ANY notice reflecting their policies OR giving me the opportunity to opt out prior to sharing and disclosing my personal and private information with nonaffiliated third parties. Based off the reports provided, all of my personal transaction history has been reported for years.

Again, a notice was not sent to me.

Also, Per 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose By reporting late payments on my credit report all of the NCRA ( XXXX, XXXX, EXPERIAN ) in conjunction with XXXX XXXX XXXX XXXX XXXX XXXX and any CREDITOR supplying late payment information is in direct violation of 15 USC 1666b . Due to their unlawful reporting, my score has been affected tremendously and I am unable to get approval for a car loan which is needed to work! Please remove and update any and all late payments as Pays as agreed.

Per 15 USC 1681e 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.

Per 616-15 USC 1681 Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; My hope is that my Complaints submitted to the CFPBspecifically, covered complaints under FCRA Section 611 ( e ) provide a channel for consumers like myself to have their problems addressed in a fair, timely and appropriate manner to avoid any additional financial hardship. EACH credit agencies above ( XXXX, XXXX, Experian XXXX XXXX XXXX XXXX ) who are all nonaffiliated XXXX party companies with my bank XXXX XXXX XXXX XXXX XXXX XXXX ) all violated me under the privacy act of 1974, and under their terms and conditions which they granted to me at the time of each account opening.

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