Consumer complaint received 2024-06-17 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: TX

Complaint narrative:
I RECENTLY FILED DISPUTE OF MY CONCERNED INTEREST IN MY PERSONAL AND PRIVATE ACCOUNT INFORMATION BEING SHARED BY Experian and XXXX XXXX AND DEMANDED FOR THE SAFETY OF POSSIBLE IDENTY THEFT, FRAUD, OR OTHER BREACHES AND EXTORTION RISK THAT I EXERCISE MY RIGHT TO PRIVACY AND OPT OUT OF XXXX  XXXX SHARING MY PRIVATE AND PERSONAL ACCOUNT TRANSACTIONS, EXPERIENCES, HISTORY AND RECORD WITH ANY CONSUMER REPORTING AGENCIES. THEY'RE ATTEMPTING TO CREATE DISTRESS, MISINFORMATION, ABUSIVE DEBT COLLECTIONS, MISREPRESENTATION OF CHARACTER, FINANCIAL INJURY AND RISK EXPOSURE OF DISCRIMINATION AND ID THEFT OF PRIVATE INFORMATION. I DEMANDED UNLESS THEY CAN WARRANT OR GUARANTEE THE SAFETY OF MY INFORMATION TO WHICH I BURDEN NO RISK FROM THEIR ACTIVITIES THEN THEY ARE TO CEASE AND DESIST ALL SHARING AND REPORTING OF MY INFORMATION TO XXXX PARTIES, NON AFFILIATES AND CONSUMER REPORTING AGENCIES OR IN OTHER WORDS NON GOVERNMENT AGENCIES. 

XXXX XXXX continues to violate consumer protection laws against me and I am concerned that my private information isn't safe and is in danger of identity theft, fraud, and trafficking due to the sharing, storing and furnishing of my information. I requested to opt out of those activities including debt collection but XXXX XXXX continues to violate various transactional and privacy laws. I ask that the CFPB enforce actions against XXXX XXXX and its assigns, affiliates and non affiliates on handling my private accounts. Attached is demand affidavit and agreement. FCRA 15 U.S. Code 1681b ( a ) 2 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

15 U.S. Code 1692a - Definitions ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; 15 U.S. Code 1692a - Definitions ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ;

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