Consumer complaint received 2025-01-25 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: IN

Complaint narrative:
I am filing a formal complaint regarding serious violations of my privacy and consumer rights by XXXX and Experian, who have both improperly furnished my personal information to third parties without my consent. Below are the violations I am disputing, which I believe are in direct violation of multiple provisions under U.S. law.

1. Privacy and Confidentiality Violations : Under the Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX XXXX XXXX XXXX XXXX consumer reporting agencies are required to handle consumer data with fairness and respect for privacy. As a consumer, I have the legal right to ensure that my private information is not shared without my explicit consent. Additionally, XXXX XXXX XXXX mandates that financial institutions ( including those furnishing information to credit reporting agencies ) must protect the privacy and confidentiality of their customers nonpublic personal information. XXXX and Experian have violated this principle by sharing my personal information without my consent. 
XXXX. Lack of XXXX to XXXX XXXX : According to XXXXXXXX XXXX XXXX XXXX XXXX a consumer report may only be furnished with the written consent of the consumer. Neither XXXX nor Experian has my consent to share my information with any third parties, whether that consent is verbal, written, implied, or otherwise. I hereby revoke any and all consent that may have been given, and demand that these agencies stop reporting my information to any third parties. 
XXXX. Failure to Provide Nondisclosure Option : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a financial institution must inform consumers of their right to opt-out of information disclosure. Neither XXXX nor Experian ever informed me of this option, and I am now exercising my right to opt out of their reporting services as outlined in XXXXXXXX XXXX XXXX 
XXXX. Illegal Reporting of Adverse Information : Further, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that no consumer reporting agency may report adverse information that predates the report by more than seven years. An account reported by these agencies is an adverse item that should not be included based on this provision. This is a direct violation of my rights under the FCRA. 
5. Reporting Inaccurate Information : Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX no entity should furnish information to a credit reporting agency if they know, or have reasonable cause to believe, that the information is inaccurate. XXXX and Experian have knowingly continued to report inaccurate information about me, failing to adhere to this legal obligation. 
6. Failure to Maintain Proper Procedures : According to XXXX XXXX XXXX, consumer reporting agencies must maintain reasonable procedures to prevent violations of the FCRA. XXXX and Experian have failed to meet these obligations, continuing to report inaccurate information and disclosing personal data without my consent. 

Given these serious violations, I am requesting that the CFPB investigate these actions by XXXX and Experian and take appropriate enforcement actions. I seek a resolution that includes the removal of inaccurate information from my credit file, an end to the unlawful sharing of my private data, and confirmation that these agencies will comply with all relevant privacy protections in the future.

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