Consumer complaint received 2024-10-01 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act 15 U.S.C. 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy '' XXXX and Experian are consumer reporting agency and I, XXXX XXXX, I am the consumer. I have the XXXX to make sure my private information isn't shared which is backed by 15 U.S.C. 6801 which states " It is the policy of the Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of its customer 's non-public personal information. XXXX, XXXX XXXX , and XXXX XXXX are all financial institution by definition under this Title. 15 U.S.C. XXXX 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 the Written instructions of the consumer to whom it relates. '' I can tell you that I never gave XXXX, XXXX XXXX , and XXXX  XXXX any my consent to furnish Any information and the consumer reporting agencies XXXX, and Experian do not have my consent to furnish this information and they surely don't have any written consent. Any and All consent to XXXX, XXXX XXXX , and XXXX  XXXX whether it be verbal, nonverbal, written, implied, or otherwise is Revoked. 15 U.S.C. 6802 ( b ) ( c ) states the " A financial institution may not disclose non-public personal information to a non-affiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non-disclosure option. '' XXXX, XXXX XXXX , and XXXX XXXX never informed me of Any Right to exercise my non-disclosure option. Not only that U.S.C. 1681 ( 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 that records convictions of crimes which antedates the report by more than XXXX years. These accounts are not items that are not proper things to be reported, and against the law to be reporting. 15 U.S. 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 U.S.C. section 1681 e states, Every consumer agency shall maintain reasonable procedures designated to avoid violations of section 1681 c of this Title and to limit the furnishing of consumer reports to the purpose listed under section 1681 b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR section 1016.7 State that " A consumer may exercise the right to Opt out at any time. I am opting out of there reporting services because they have indeed been furnishing information that is against the law to report.

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