Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
I am aware that the Consumer Finance Protection Bureau CFPB has taken action against Experian under Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 et. seq., and The Consumer Financial Protection Act ( " CFPA '' ) 12 U.S.C. 5536 ( a ) ( i ) ( a ) - ( b ), 5564 & 5565. 
XXXX XXXX sold the alleged debt ( Balance : {$340.00} ) to XXXX XXXX XXXX ( Account name : XXXX XXXX XXXX ), and the date opened was on XX/XX/year>. 
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the

Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies TransUnion, Equifax and Experian do not have my consent to furnish this information and they surely never have received my written consent. In accordance with the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 et. seq., provides VERIFICATION of the alleged debt, as being true, correct, and authentic, sworn by oath or affirmation with a wet ink signature signed under the penalty or perjury ; or provide a copy of a judgement, sworn by a wet ink signature signed.

Any and all consent to Equifax, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 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 given an explanation of how the consumer can exercise that nondisclosure option. '' Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

Please see the attached link : ( due to over exceeded XXXX to upload the file ) XXXX XXXX Faxed To Office of Management and Budget For XXXX XXXX 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