Consumer complaint received 2024-08-10 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX Complaint Right to Privacy In accordance with the Fair Credit Reporting Act. The ( 16 ) accounts listed below has violated my federally protected consumer rights to privacy and confidentiality contrary to : Title 15 of the United States Code section 1681 ; 15 U.S.C 1681 section 602 A ; 15 U.S.C 1681 section604 A Section 2 ; 15 U.S.C. 1681c ( A ) ( 5 ) ; and, 15 U.S.C. 1681s-2 ( A ) ( 1 ) XXXX XXXX XXXX XXXX Complaint Right to Privacy According to the Fair Credit Reporting Act 15 USC 1681 section 602 A states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian Information Solutions Inc. and XXXX are consumer reporting agencies and I am a Consumer with the right to make sure my private information isn't shared, see : 15 USC 6801 which provides : 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. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title.

15 USC 1681 section 604 a section 2, which states : " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Experian Information Solutions Inc. and XXXX are wanting consent to furnish information. Nor do they have written consent. Any and all, perceived or otherwise, consent to XXXX, Experian Information Solutions Inc. and XXXX, whether it be verbal, non-verbal, written, implied or otherwise are hereby revoked. 

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. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option.

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 accounts are inaccurate, are adverse items reporting without permission, of which are against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) makes clear : 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.

15 U.S. Code 1681e states that 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, Experian Information Solutions Inc. and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I, XXXX XXXX XXXX, hereby opting out of the reporting services. 

The List of accounts Account names : Account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Respectfully Submitted, XXXX XXXX XXXX XXXX XX/XX/year> 2024

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