Consumer complaint received 2024-01-02 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: CO

Complaint narrative:
Monday, XX/XX/XXXX Subject : Follow-Up Consumer Opt-Out Dispute - Urgent Action Required On Accounts : XXXX XXXX- Non-Compliance with Written Instructions USPS TRACKING NUMBER : XXXX And Previous  Recission of Permission to Furnished Data on My Consumer Report via Affidavit of Suretyship. 

Dear Consumer Financial Protection Bureau, I am writing to follow up on opt-out letters dated XX/XX/XXXX, opt out letters with notice to cure sent XX/XX/XXXX, and Affidavits of Suretyship Notarized XX/XX/XXXX in which I formally exercised my right to opt out of all authorizations, whether written or unwritten, verbal or non-verbal, that I have given to XXXX XXXX XXXX Experian and XXXX. This opt-out request is made in accordance with my rights as a Federally protected consumer under 15 U.S. Code 6802 -Obligations with respect to disclosures of personal information. 

Regrettably, XXXX XXXX, Experian and XXXX have chosen to ignore both of my opt-out letters entirely, and my consumer information continues to be furnished without my consent. This persistent violation of my rights under the FCRA is unacceptable. 

This is an ongoing and egregious violation of my consumer rights, as detailed in my previous communications. I must assert my demand for appropriate remedies to rectify the harm caused by the continued dissemination of inaccurate and unauthorized information.

As previously stated, I have unequivocally rescinded all permission for the furnishing of my personal information, in perpetuity, in accordance with the Fair Credit Reporting Act ( 15 U.S.C 1681 ), Section 604. Despite these clear and legally binding instructions, XXXX XXXX, Experian and XXXX have persistently and willfully disregarded the law, leading to a severe compromise of my privacy and financial well-being. 

The repeated and intentional violation of federal statutes, including the Fair Credit Reporting Act XXXX 15 U.S.C 1681 ) and the Protection of Nonpublic Personal Information ( 15 U.S.C 6801 ), raises grave concerns about XXXX XXXX, Experian and XXXX 's commitment to respecting the privacy and security of consumers ' nonpublic personal information. 

At This Time, I am disputing the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Below shows the proof of correspondence for Opt-Out Letters, notice to cure opt-out letters, and Affidavits of Suretyship sent by me to each company which have been fraudulently disregarded. See Additional Attachments for Copies of Contents Sent.

AFFADAVIT OF SURETYSHIP  Company Name : Contact Attempts Certified Mail Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because the first  contact attempts were disregarded, I saw fit to send a second attempt ; although by law, I am not required to tell an agency more than once to have these rectified. As such, they should have been rectified after receiving the first written instruction. 

Experian 2nd Sent on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX attempts to have my written instruction performed properly have not been successful or rectified as of today by XXXX nor Experian. 

OPT-OUT LETTERS Company Name Contact Attempt for Account Number Certified Mail Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( USPS tracking shown in attachments ) The Above shows a list of every  account that has been Opted Out of data Furnishing with XXXX XXXX including their tracking number displaying that they have been delivered and received. All attempts to have my written instruction performed properly have not been successful or rectified as of today. 

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