Consumer complaint received 2024-03-28 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: GA

Complaint narrative:
XXXX XXXX Opt-Out Request and Compliance with Fair Credit Reporting Laws For : XXXX account ending in XXXX ; Date open XX/XX/XXXX ; Balance {$4500.00} XXXX account ending in XXXX ; Date open XX/XX/XXXX ; Balance {$8400.00} XXXX account ending in XXXX ; Date open XX/XX/XXXX ; Balance {$480.00} I am writing to formally exercise my rights under the Fair Credit Reporting Act ( FCRA ) and to address several concerns regarding the reporting of my private information and the handling of credit-related matters. As per the FCRA, under 15 USC 1681 section 602, there is a clear mandate for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX, and Experian, being consumer reporting agencies, are bound by this mandate. I, as a consumer, assert my right to privacy and fair treatment in accordance with this provision. 

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states 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. '' XXXX XXXX is a financial institution by definition under that title. 

I wish to assert my right, as outlined in 15 USC 1681 section 604, to control the dissemination of my consumer report. Without my explicit written instructions, neither XXXX XXXX nor the consumer reporting agencies mentioned have my consent to furnish any of my private information to third parties. 

15 USC 6802 ( b ) ( c ) states 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. '' XXXX XXXX never informed me of my rights to exercise my nondisclosure option. 

Not only that any adverse item of information being reported without my authorization, as per 15 USC 1681C ( 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 of convictions of crimes which antedates the report by more than seven years. '' These XXXX accounts are adverse items that are being reported without my permission, which is against the law. 

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) it 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. ), information furnished to consumer reporting agencies must be accurate, and consumer reporting agencies are obligated to maintain reasonable procedures to avoid violations of the FCRA. 

Additionally, the failure to maintain reasonable procedures, as required by 15 U.S. Code 1681e states '' 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. XXXX, XXXX, and Experian are not maintaining reasonable procedures which raises concerns about the handling of my personal data. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' Affirming my right as a consumer to opt-out of reporting services at any time. Therefore, I am formally opting out of your reporting services effective immediately.

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I the consumer may have given you written unwritten verbal and nonverbal per 15 USC 6802. Therefore, I formally revoke any assumed consent, whether verbal, non-verbal, written, implied, or otherwise. Based upon consumer law this company is not allowed to report transactions history. 
I request immediate action to comply with my opt-out request and to ensure that all reporting activities are conducted in accordance with federal laws and regulations. Your cooperation in resolving these matters promptly is greatly appreciated.

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