Consumer complaint received 2024-01-20 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:
Demand for Compliance with 15 U.S. Code 6802, 12 CFR 1016.7 Section ( a ), 5 U.S. Code 552 ( a ) & ( b ), and Account Removal Request Dear XXXX, Experian, and XXXX XXXX XXXX XXXX department, I hope this letter finds you well. I am writing to bring to your attention certain legal provisions under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S. Code 6802, which outlines obligations concerning the disclosure of nonpublic personal information. In conjunction with this, I have attached a relevant Federal Trade Commission ( FTC ) report for your reference. According to 15 U.S. Code 6802, a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless certain conditions are met. These conditions include providing clear and conspicuous disclosure to the consumer, offering the consumer an opportunity to opt out of such disclosure, and explaining how the consumer can exercise the opt-out option. Furthermore, regulations such as 12 CFR 1016.7 Section ( a ), 5 U.S. Code 552 ( a ) & ( b ), along with 1016.7 and 162.6, detail the form and methods of opt-out notices to consumers, emphasizing the consumer 's right to opt out of the disclosure of their information to nonaffiliated third parties. Additionally, 1022.24 stipulates that covered affiliates must provide consumers with a reasonable opportunity to opt out when using eligibility information for solicitation purposes. As per the Credit CARD Act of 2009, consumers have the right to opt out of interest rate increases, fee increases, and other significant changes in terms, as outlined in 15 U.S. Code 6805. I would also like to request the removal of the following accounts from my credit report XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX, XXXX XXXX Account Number XXXX Date opened XX/XX/XXXX, XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX, XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX, XXXX  Account Number XXXX Date Opened XX/XX/XXXX, XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX listed in my documents attached. I demand that XXXX, Experian, and XXXX promptly investigate and remove the accounts from my credit report, as they are not legally and lawfully supposed to be reported. Please provide confirmation of the removal and an updated copy of my credit report reflecting these changes. Please acknowledge receipt of this letter and provide a written response within 4 BUSINESS DAYS outlining the steps your agencies are taking to ensure compliance with the specified legal provisions and the removal of the mentioned accounts. Failure to address and rectify any non-compliance issues or the removal of inaccurate accounts may result in further action, including reporting the matter to the appropriate regulatory authorities. Thank you for your prompt attention to this matter. I look forward to receiving your response. Sincerely, XXXX XXXX Without recourse

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