Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX : XXXX XXXX : XX/XX/XXXX Email : XXXX Phone : XXXX **Date : XX/XX/XXXXXXXX  XXXX XXXX  and Experian** **Subject : Revocation of Consent and Notice to Cease Reporting and Disclosure of Personal Information** This letter serves as a formal notification and demand regarding the unauthorized furnishing, sharing, and reporting of my personal and nonpublic information. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S. Code 6801 et seq., and 12 CFR 1016.7. 

XXXX XXXX XXXX 1. Consumer Rights Under the FCRA According to 15 U.S. Code 1681 ( a ) ( 4 ), consumer reporting agencies such as Experian are required to exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. Under 15 U.S. Code 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to whom it relates. I have not provided such written consent, and any prior consentwhether written, verbal, implied, or otherwiseis hereby revoked. 

Additionally, 15 U.S. Code 1681c ( a ) ( 5 ) prohibits reporting adverse information that is more than seven years old ( excluding criminal convictions ). Any such information currently appearing on my credit file must be removed immediately.

XXXX XXXX XXXX 2. Obligations of Information Furnishers Per 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if they know or reasonably believe the information is inaccurate. Continued reporting of any inaccurate or unverified information is a violation of federal law. 

XXXX XXXX XXXX XXXX. Reasonable Procedures Requirement 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to ensure compliance with the FCRA, including limiting disclosures to authorized purposes. Current circumstances indicate that such procedures are not being adequately followed. 

XXXX XXXX XXXX 4. Privacy Protection Under the GLBA Under 15 U.S. Code 6801, financial institutions must protect the security and confidentiality of customers ' nonpublic personal information. Furthermore, 15 U.S. Code 6802 ( b ) - ( c ) prohibits disclosing such information to nonaffiliated third parties without first providing a clear and conspicuous notice and an opportunity to opt out. I have not received such notice and, therefore, never consented to this data sharing. 

XXXX XXXX XXXX 5. Exercise of Opt-Out Rights As provided by 12 CFR 1016.7, I am formally exercising my right to opt out of any and all sharing of my nonpublic personal information with any nonaffiliated third parties. This opt-out is effective immediately and shall remain in force indefinitely. 

XXXX XXXX  **Conclusion** You are hereby instructed to cease and desist from any further furnishing, reporting, or dissemination of my personal or nonpublic information. Kindly confirm, in writing, that my request has been honored. Non-compliance may result in complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action.

Sincerely, XXXX XXXX

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