Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am writing to file a complaint regarding the continued reporting and sharing of my personal information by Equifax, Experian, and the original furnisher of information ( a financial institution ), all without my consent. I am a consumer, and as such, I have rights protected by both the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act. 

According to 15 U.S.C. 1681 ( a ) ( 4 ), consumer reporting agencies have a " grave responsibility '' to handle information with fairness, impartiality, and respect for the consumers right to privacy. Equifax and Experian are consumer reporting agencies, and they are not upholding this duty in my case. 

Under 15 U.S.C. 6801, financial institutions are required to protect the privacy and confidentiality of consumers nonpublic personal information. The furnisher of information to the credit reporting agencies qualifies as a financial institution under this definition and therefore shares this obligation. 

Furthermore, 15 U.S.C. 1681b ( a ) ( 2 ) clearly states that a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. I have not provided any written consent for my information to be furnished or reported, and therefore, this reporting is unauthorized. Any prior consentwhether verbal, implied, or writtenis hereby revoked. 

Under 15 U.S.C. 6802 ( b ) - ( c ), a financial institution is prohibited from disclosing nonpublic personal information to non-affiliated third parties unless the consumer has been clearly informed of their right to opt out of such disclosures. I was never informed of my right to opt out by the furnisher, which is a violation of this provision. 

Additionally, the information being reported is outdated and harmful. 15 U.S.C. 1681c ( a ) ( 5 ) prohibits the reporting of adverse information that is more than seven years old ( excluding criminal convictions ), yet this information continues to appear on my report. This is both unlawful and damaging. 

Under 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ), no one is allowed to furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Also, 15 U.S.C. 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid these types of violations and to limit the furnishing of reports to only those purposes listed in the Act. Equifax and Experian are not meeting this standard.

Finally, 12 CFR 1016.7 gives consumers the right to opt out at any time. I am formally exercising that right and opting out of any and all data reporting and sharing of my personal information with third parties, including Equifax and Experian. 

Please investigate this matter and take appropriate action to ensure my rights are respected and that this unauthorized reporting is stopped immediately. 

All addresses need to be removed except XXXX XXXX XXXX XXXX Ky XXXX Any negative items being reported I am opting out Any charge off items must be removed as I will be handling them through the IRS for reporting as credits.

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