Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX OPT OUT NOTICE for XXXX XXXX XXXX XXXX This is notice to XXXX XXXX XXXX XXXXXXXX that XXXX XXXX XXXX is opting out of all XXXX XXXX XXXX XXXX reporting services. According to federal law XXXX XXXX XXXX has a right to opt out of all reporting of XXXX XXXX XXXX personal information. UNITED STATES XXXX states all consumers have a right to privacy. I was suppose to receive notice from XXXX XXXX XXXX XXXXXXXX that they would not only report but also disclose information belonging to XXXX XXXX XXXX to other parties such as XXXX XXXX, EXPERIAN, and TRANSUNION or financial institutions and other third parties using XXXX XXXX XXXX XXXXXXXX to receive a screening service. I never was informed XXXX XXXX XXXX XXXXXXXX would solicit my information or that they even had my information and were reporting to other parties without my permisssion upon said party basically paying XXXX XXXX XXXX XXXXXXXX for my information so that they can then judge me off the report given to them by XXXX XXXX XXXX XXXX. I never received full disclosure from XXXX XXXX XXXX XXXXXXXX as is required by law. PART XXXX - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) XXXX XXXX XXXX Purpose and scope. a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : XXXX ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; XXXX ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and XXXX ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated XXXX  parties by opting out of that disclosure, subject to the exceptions in XXXX, XXXX, and XXXX. Every company owes the person whose information they are reporting a privacy notice before they furnish any information to that persons consumer report. XXXX XXXX XXXX Initial privacy notice to consumers required. a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : XXXX ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( XXXX ) of this section ; and XXXX ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated XXXX party, XXXX XXXX XXXX XXXX of opt out notice to consumers ; opt out methods. Section ( a ) XXXX ) Form of opt out notice. If you are required to provide an opt out notice under XXXX ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ii ) That the consumer has the right to opt out of that disclosure ; and iii ) A reasonable means by which the consumer may exercise the opt out right. XXXX ) Examples ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in XXXX ( l ) ( XXXX ) of this part, includes the address to which the form should be mailed ; C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or D ) Provide a toll-free telephone number that consumers may call to opt out. iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; or B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. i ) Duration of consumer 's opt out direction. XXXX ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. XXXX XXXX XXXX XXXX - Obligations with respect to disclosures of personal information a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. b ) Opt out XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX 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 an explanation of how the consumer can exercise that nondisclosure option. Once again they must give you an opt out notice for anything that is to be added to your consumer report. XXXX XXXX Code XXXX - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ XXXX XXXX. XXXX et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the XXXX XXXX XXXX XXXX XXXX, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, I have the right to opt out of anything on my report at any time and the companies must comply as soon as reasonably practicable after i send them a notice. They have given XXXX XXXX XXXX unreasonable means to opt out so I have written my own letter and filed a complaint with the CFPB directing XXXX XXXX  XXXX XXXX to stop reporting in accordance with the laws listed above. XXXX XXXX XXXX and any and all other iterations of this name is copyrighted and trademarked as well and all information pertaining to XXXX XXXX XXXX can not legally or lawfully be transferred, shared, reported or used in anyway without the permission of the agent ( XXXX XXXX XXXX ) for the principal ( XXXX XXXX XXXX ). Further reporting, transferring, sharing, or use of the name XXXX XXXX XXXX or information belonging to it will be legal grounds for copyright infringement, identity theft, and defamation of character. In which a lawsuit will be filed against XXXX XXXX XXXX XXXXXXXX for these matters. In order to avoid these legal matters I kindly in good faith demand that XXXX XXXX XXXX  XXXX delete any and all information regarding XXXX XXXX XXXX from all XXXX XXXX XXXX  XXXX databases and computerized systems Thank you

Company response to consumer: Closed with explanation