Consumer complaint received 2024-12-27 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: AR

Complaint narrative:
According to Section 602 of the Fair Credit Reporting Act ( 15 USC 1681 ), it is stated that " There is a need to ensure that consumer reporting agencies fulfill their significant responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' As a consumer, I have the right to safeguard my private information, supported by 15 USC 6801, which asserts that " It is the policy of Congress that each financial institution has an ongoing obligation to respect the privacy of its customers and to protect the security and confidentiality of their nonpublic personal information. '' A " furnisher of information to credit agencies '' is classified as a financial institution under that title.

Furthermore, Section 604 ( a ) ( 2 ) of 15 USC 1681 states that " In general, subject to subsection ( c ), any consumer reporting agency may provide a consumer report under the following circumstances and no others : in accordance with the written instructions of the consumer to whom it pertains. '' XXXX and Experian, as consumer reporting agencies, do not have my permission to disclose my information, and they certainly do not possess any written consent from me. Any and all forms of consent granted to XXXX, Experian, or any furnisher of information to credit agencieswhether verbal, non-verbal, written, implied, or otherwiseare hereby revoked. 

Moreover, 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 provided with an explanation of how they can exercise their nondisclosure option. '' The furnisher of information to credit agencies has not informed me of my right to opt out of such disclosures. Additionally, 15 USC 1681c ( a ) ( 5 ) specifies that, " Except as authorized under subsection ( b ), no consumer reporting agency may produce a consumer report containing any of the following items of information : any other adverse item of information, apart from records of criminal convictions that predate the report by more than seven years. '' The account in question is an adverse item that is being reported without my authorization, which is against the law.

According to 15 U.S. Code 1681s-2 ( A ) ( 1 ), " A person shall not furnish any information regarding a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. '' Furthermore, 15 U.S. Code 1681e mandates that " Every consumer reporting agency must maintain reasonable procedures designed to prevent violations of section 1681c and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. '' It is evident that Equifax and Experian are failing to maintain such reasonable procedures. Finally, 12 CFR 1016.7 states, " A consumer may exercise the right to opt out at any time. '' I am hereby opting out of your reporting services.

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