Consumer complaint received 2024-08-23 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: VA

Complaint narrative:
In accordance with the Fair Credit Report Act 15 USC 1681 section 602 it states, Theres a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX, Experian, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure that my private information isnt shared which is backed by 15 USC 6801 ( a ) as 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 information. 
The Furnisher to the credit agencies ; XXXX is a financial institution under the title. 15 USC 1681 section 604 ( a ) In general. 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. 

I the Consumer DO NOT give my consent to XXXX and the Consumer Reporting Agencies, XXXX, Experian, XXXX to furnish this information as they DO NOT have my WRITTEN CONSENT. 

All consent to XXXX, XXXX, and Experian along with XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 

15 USC 6802 ( b ) ( c ) states 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. XXXX never informed me of my right to exercise my nondisclosure option. 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. The account furnished on my Consumer report by XXXX is an adverse item they are reporting without my permission, which is against the law. This account is also furnished to my Consumer Credit Report in violation of my rights in the Family Educational Rights and Privacy Act under 20 USC 1232g ( b ) No funds under any applicable program shall be made available to any State educational agency ( whether or not that agency is an educational agency or institution under this section ) that has a policy of denying, or effectively prevents, the parents of students the right to inspect and review the education records maintained by the State educational agency on their children who are or have been in attendance at any school of an educational agency or institution that is subject to the provisions of this section. Codified as 34 CFR 99. 15 USC 1681s-2 ( A ) ( 1 ) 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 USC 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. In closing 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of the debt.

It's to my knowledge that per 15 U.S.C 6805 Enforcement ( a ) In General Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission.

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