Consumer complaint received 2024-11-07 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: DC

Complaint narrative:
Pursuant to my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and related statutory provisions, I am formally revoking any and all consent grantedwhether expressed, implied, verbal, non-verbal, or writtento XXXX XXXX XXXX, XXXX, and Experian for the furnishing, disclosure, or sharing of my personal and private consumer information. My position and demands are supported by the following legal provisions : Privacy and Consumer Rights Under 15 U.S. Code 1681 ( Section 602 ( a ) ) Consumer reporting agencies, including XXXX and Experian, are required to operate with fairness, impartiality, and respect for the consumers privacy. 

Protection of Nonpublic Personal Information ( 15 U.S. Code 6801 ) XXXX XXXX XXXX, as a financial institution, is legally obligated to respect the privacy of its customers and protect their nonpublic personal information. 

Consumer Consent and Information Furnishing ( 15 U.S. Code 1681 Section 604 ( a ) ( 2 ) ) Consumer reporting agencies may only furnish a consumer report with the written consent of the consumer. No such consent has been provided, and any implied or assumed consent is hereby formally revoked.

Disclosure of Nonpublic Personal Information ( 15 U.S. Code 6802 ( b ) ( c ) ) Financial institutions, including XXXX XXXX XXXX, are prohibited from disclosing nonpublic personal information to nonaffiliated third parties without informing consumers and providing an opt-out option. I was never informed of this right and am formally exercising my opt-out right now. 

Limitation on Reporting Adverse Information ( 15 U.S. Code 1681c ( a ) ( 5 ) ) Consumer reporting agencies are restricted from including adverse items of information in consumer reports if such items antedate the report by more than seven years, except as authorized by law.

Furnishing Inaccurate Information ( 15 U.S. Code 1681s-2 ( A ) ( i ) ) Entities are prohibited from furnishing any information to a consumer reporting agency if they know, or reasonably should know, that the information is inaccurate. 

Opt-Out Right Under 12 CFR 1016.7 Consumers have the right to opt out of information sharing at any time, which I am formally exercising now. 

Demands for Immediate Action In light of the aforementioned legal provisions, I am requesting the following actions : Immediate Cessation of All Reporting XXXX XXXX XXXX, XXXX, and Experian must immediately cease the reporting of any information related to me without my explicit written consent. 

Written Confirmation of Revocation Provide written confirmation that my opt-out request has been processed and that all consent to furnish or share my data has been revoked. 

Failure to comply with these legal obligations will leave me with no choice but to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), which investigates patterns of misconduct related to consumer privacy violations and inaccuracies in credit reporting, and contacting my State Attorney Generals Office to report any violations of state consumer protection laws. 

Please respond within 7 days to confirm receipt of this notice and to outline the actions taken in response. 

Thank you for your prompt attention to this matter.

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