Consumer complaint received 2025-05-28 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: NC

Complaint narrative:
This is a formal notice regarding violations of my rights under the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and related federal statutes.

According to the FCRA, 15 U.S.C. 1681 ( a ) ( 4 ), there is a recognized need for consumer reporting agencies ( CRAs ) to uphold their responsibilities with " fairness, impartiality, and a respect for the consumers right to privacy. '' As a consumer, I am asserting my right to privacy regarding the handling of my personal and financial information by Equifax and Experianboth of which are CRAsand by any furnisher of information to them, which by definition includes financial institutions. 

Under 15 U.S.C. 6801 ( a ), financial institutions have " an affirmative and continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of those customers nonpublic personal information. '' This obligation applies to all furnishers of information to CRAs.

Furthermore, 15 U.S.C. 1681b ( a ) ( 2 ) explicitly states that a consumer report may only be furnished with the consumers written instruction. I have not provided such written consent to Equifax, Experian, or any data furnisher to share or report my information. Any previously granted consentwhether verbal, implied, written, or otherwiseis hereby revoked.

In addition, per 15 U.S.C. 6802 ( b ) ( c ), a financial institution may not share nonpublic personal information with nonaffiliated third parties unless the consumer is given a clear and conspicuous notice of the right to opt out, along with an explanation of how to do so. I was never informed of this right or provided a method to exercise it. This constitutes a violation of the GLBA.

Moreover, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including any adverse information in a report that is more than seven years old, except in specific circumstances such as criminal convictions. If any adverse item currently reported on my credit file predates this timeframe, it must be removed immediately. 

Under 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. If any information on my report is inaccurate or unverifiable, you are required to remove it. Additionally, 15 U.S.C. 1681e ( b ) requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of consumer information and to prevent violations of section 1681c. I assert that Equifax and Experian are failing in this duty.

Lastly, according to 12 CFR 1016.7, I have the right to opt out of the disclosure of my nonpublic personal information at any time. This is my formal notice that I am exercising that right and opting out of all non-essential data sharing and reporting.

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