Consumer complaint received 2024-11-07 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: FL

Complaint narrative:
By denying my opt out request XXXX XXXX is in direct violation of 12 CFR 1016.15 ( b ) ( 2 ) Examples of consent and revocation of consent. Which states, A consumer may revoke consent by subsequently exercising the right to opt out of future disclosures of nonpublic personal information as permitted under 12 CFR 1016.7 ( h ). 

XXXX XXXX is also in violation of 12 CFR 1016.7 ( h ) which states, A consumer may exercise the right to opt out at any time. They have denied my request to opt out of having my no public personal information shared to non affiliated third parties which include the credit reporting agencies XXXX times which are attached to this complaint. 

Another XXXX XXXX XXXX are in violation of is 12CFR 1016.7 ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. As this is my XXXX attempt to formally opt out through the CFPB. You have violated this code for the third time by attempting to deny my request to opt out as previously documented through the CFPB. 

XXXX leasing is also in violation of 12 CFR 1016.7 ( a ) Form of opt out notice to consumers ; opt out methods. As you have not given me a clear and conspicuous notice that accurately explains the right to opt out under that section. Which is required under 12 CFR 1016.XXXX ( a ) ( XXXX ). 

XXXX XXXX privacy agreement which attached to this complaint does not include Reasonable opt out means which defined by 12 CFR CFR ( a ) ( 2 ) ( B ) ( ii ) would be 12 CFR ( a ) ( 2 ) ( B ) ( ii ) ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice. Which your notice does not contain.

CFR ( a ) ( 2 ) ( B ) ( ii ) ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; which your notice does not contain. 

12 CFR ( a ) ( 2 ) ( B ) ( ii ) ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; which your notice does not contain. Or 12 CFR ( a ) ( 2 ) ( B ) ( ii ) ( D ) Provide a toll-free telephone number that consumers may call to opt out. which your notice does not contain. XXXX XXXX XXXX agreement does not once mention opting out or how to do it yet alone mention it it clear and conspicuously. Which you can see attached to this complaint XXXX XXXX is not allowed to disclose my information unless they are under compliance of 12 CFR 1016.10 ( a ) ( 1 ) ( ii ) ( ii ) You have provided to the consumer an opt out notice as required in 1016.7 of this part ; Which XXXX Leasing has not as you can see by the attached privacy notice. 

XXXX leasing must also under 12 CFR 1016.10 ( a ) ( 1 ) ( iii ) ( iii ) You have given the consumer a reasonable opportunity, before youdisclose the information to the nonaffiliated third party, to opt out of the disclosure. Which they have not provided me any opt out opportunity. Only denied it.

You may also not share my information if I opt out which is stated in 12 CFR 1016.10 ( a ) ( 1 ) ( iv ) ( iv ) The consumer does not opt out. 

This is causing damage to my XXXX XXXX my livelihood and my reputation. Discontinue to report my this account which is my non public personal information to a third party the credit reporting agencies, without my consent and formal opt out.

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