Consumer complaint received 2024-12-17 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:
To whom it may concern, This statement is a statement to put the below listed financial institutions on notice. I am asking that all disclosure forms that I signed to have my non-public personal information be provided from the creditors of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and Ally Financial that I gave permission for any of my transactions and or experiences with the above-named creditors to be reported to any outside third party including but not limited to EXPERIAN, XXXX, and XXXX. According to U.S CODE S 6801 this law addresses the protection of non-public personal information and non-public personal information all late fees are included in this law. Nonpublic personal information is a transaction and or experience made between me and the creditor directly. As you can see according to federal law XXXX XXXX XXXX XXXX 15 U.S CODE S 6802. I am asking that all late fees from accounts XXXX XXXX  account number XXXX, and XXXXXXXX XXXX  account # XXXX be removed immediately. Also pursuant to U.S CODE S 6802 ( b ) opt out. ( 1 ) In generalA $ nancial institution may not disclose non-public personal information to a nona @ liated party unless- ( A ) such $ nancial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given the explanation of how the consumer can exercise that non-disclosure option. If these speci $ c documents are not provided at the time of any transaction and or experience according to the XXXX XXXX XXXX XXXX XXXX XXXX CODE XXXX a consumer violation have taken place and is a form of identity theft because there was deception in the original contract agreement between such parties. I am asking also accounts XXXX XXXX XXXX account number XXXX Portfolio Recovery account number XXXX and XXXX XXXX XXXX account # XXXX, along with inquiries XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all be removed from my credit profiles if you can not provide permissible purpose or proof such as written authorization documentation. Please provide me with this certified information. In the absence of any such documentation, I formally request that these inquiries be immediately deleted from the credit file that you maintain under my social security number. Section ( 604 ) f prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the ( CRA ) the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. While pursuant to 15 USC S 1681 b2 under the new guidelines permissible purpose under a consumer report a clear and conspicuous disclosure has been made in writing to a consumer anytime before the report is procured or caused to be procured in a document that consists solely of the disclosure. If you can not posses documentation that gave you permission under 15 USC S 1681B 15 USC S 1681 N discuss the civil liability for willful non-compliance which each penalty is {$1000.00}. 
There are also some address I am not associated with reporting on my credit file which need to be deleted immediately. XXXX XXXX XXXX XXXX XXXX fl XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are several discrepancies on my profiles from names to address and not having certified information to report accounts as well as Pursuant to 15 U.S.C. S 1681 a Definition Rules of Construction ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device : In 15 U.S. Code 1602 - Definitions and rules of construction, l ) The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Please remove all negatives reported immediately... 

Thank you XXXX XXXX XXXX

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