Consumer complaint received 2024-01-07 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: NY

Complaint narrative:
DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA as a federally protected consumer. I am now opting- out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX may have given to provide my personal information to XXXX, XXXX, EXPERIAN. Per 15 USC 6802-6805. EFFECTIVE IMMEDIATELY AND INDEFINITELY. I can OPT-OUT of any account being reported on my credit file or credit report. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX responded saying that XXXX XXXX  sold my account to them while XXXX XXXXXXXX was still being reported on my credit report. My debt was illegally sold to a third party debt collector that I XXXX XXXX never agreed to. When XXXX received my letter I clearly stated that I am revoking and any and all authorization to use my nonpersonal/personal data and report any information on MY CREDIT FILE OR REPORT. I NEVER GAVE XXXX XXXX XXXX XXXX XXXX ANY CONSENT. XXXX DOESNT NOT UNDERSTAND THE LAW. 
XXXX has told the CFPB THAT THEY DONT HAVE THIS ACCOUNT REPORTING. YET HAS SHOWED UP AS A COLLECTION ON MY CREDIT REPORT ON XX/XX/XXXX. I have disputed it and XXXX AND XXXX XXXX has violated my privacy rights ( THE PPRIVACY RIGHTS ACT OF 1974 ) and sold my account to them a year ago. This account is to be deleted on all of the credit reporting agencies XXXX, XXXX, EXPERIAN NOW. I SENT XXXX XXXX XXXX, XXXX A CEASIT AND DESIST LETTER ALREADY ON XX/XX/XXXX. 
I HAVE SENT XXXX MY OPT- OUT LETTER AND INVESTIGATION LETTER OF HOW AND WHEN THEY PURCHASED MY ACCOUNT FROM XXXX XXXXXXXX. per The PRIVACY ACT OF 1974 THIS IS ILLEGAL AND A VIOLATION OF MY RIGHTS UNDER THIS ACT WHICH IS A FEDERAL LAW MY PRIVACY IS PROTECTED AND GOVERNS THE COLLECTION OF MY PERSONAL INFORMATION BEING SOLD TO ANY CORPORATION/COMPANY AND MY PERSONAL INFORMATION SUCH AS MY NAME, ADDRESS, SOCIAL SECURITY NUMBER, PHONE NUMBER, ACCOUNT NUMBERS, BEING SHARED WITH. 5 U.S. Code 552a - Records maintained on individuals states that my social security number is only suppose to be shared with government agencies. Unless I XXXX XXXX chooses to release my social security number to XXXX XXXX XXXX. XXXX which I did not. 
The privacy rights act of 1974 and 5 usc 552a also states that I XXXX XXXX MUST give permission to any company to disclose my non personal or personal information to them. An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to require the withholding of names and addresses otherwise permitted to be made public. Both laws protect the nature disclosures. XXXX XXXX XXXX XXXX is not a government agency. They have no PERMISSION OF MINES TO BUY, PURCHASE, OR SELL MY INFORMATION FROM XXXX XXXX XXXX. XXXX CFR 29.518 - Reporting delinquent debts to credit bureaus. Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau or XXXX XXXX XXXX XXXX XXXX is saying that they hold the rights to my non personal and personal information and can disclose this information if they wanted to per their last letter which was XXXX response to me here on the CFPB WHEN I QUESTIONED WHY IS THIS ACCOUNT BEING REPORTED DUE TO IT BEING SOLD WITHOUT MY KNOWLEDGE OR CONSENT. That sounds like they are stealing my social security number, name, address, account information and doing what they would like with it. Because of an alleged owed debt and they are NOT the ORGINAL creditor of this debt. 

XXXX nor XXXXXXXX XXXX XXXX never sent me any NOTICE in the mail stating how the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.

My nonpersonal and personal information is suppose to be safeguarded to insure the security and confidentiality of customer records and information to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. Per the LAW 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 


This account is not with XXXX XXXX XXXX anymore they have sold the account to a collection agency XXXX XXXX XXXX XXXX XXXX Account # XXXX ) WITHOUT MY KNOWLEDGE OR PERMISSION. This account is being reported incorrectly across all credit reporting agencies Experian, XXXX XXXX, XXXX with dates and balances as well as the consistent monthly reporting of the account. These inconsistencies and false and misleading reporting of my account does a great disservice to me as a consumer, Experian is at fault for the discrepancies that is being reported with this account on my credit profile. DELETE IMMEDIATLEY DUE TO 15 U.S. Code 1692e - False or misleading representations- 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. FROM MY CFPB DISPUTE IN XX/XX/XXXX. 

DELETE IMMEDIATELY - XXXX XXXX XXXX XXXX XXXX XXXX THESE OPT-OUT LAWS THAT I HAVE AS A FEDERALLY PROTECTED CONSUMER THAT XXXXXXXX XXXX XXXX HAS ILLEGALLY WENT OUT A BOUGHT MY INFORMATION TO FURNISH AND THIS ALLEGED DEBT. WITHOUT ALLOWING ME AS THE CONSUMER TO OPPORTUNITY TO OPT-OUT AND EXCERISE MY RIGHTS OVER MY OWN INFORMATION. 
12 CFR 1022.24 - Reasonable opportunity to opt out.- ( 5 ) By including in a privacy notice. The opt-out notice is included in a Gramm-Leach-Bliley Act privacy notice. The consumer is allowed to exercise the opt-out within a reasonable period of time and in the same manner as the opt-out under that privacy notice.

12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods.- ( 1 ) Form of opt out notice you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure 17 CFR 162.6 - Reasonable opportunity to opt out.- A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products 15 U.S. Code 1681n - Civil liability for willful noncompliance ( 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} {$1000.00} dollars for every month my account was charged off for false and misleading reporting Respectfully 15 U.S. Code 1681c2 - Block of information resulting from identity theft BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that theconsumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt

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