Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, 15 USC 1681, Section 602 states : " There is an obligation to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' Equifax and Experian are consumer reporting agencies, and I am the consumer. I have the right to ensure that my private information is not shared without my consent, as supported 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. '' Furthermore, under 15 USC 1681a ( 2 ), a " furnisher of information to credit agencies '' is defined as a financial institution. According to 15 USC 1681e, any consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. 

Equifax and Experian have not obtained my written consent to furnish this information, nor do they have my permission to do so. Any and all consent givenwhether verbal, non-verbal, written, implied, or otherwiseis hereby revoked. 

Additionally, under 15 USC 6802 ( b ) ( c ), it states : " A financial institution may not disclose nonpublic personal information to an unaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I was never informed of my right to exercise such a nondisclosure option. 

Moreover, 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 occurred more than XXXX years prior to the report. '' Since this is an adverse item, their reporting against me without my permission is a violation of the law. 

Further, pursuant to 15 U.S. Code 1681s-2 ( a ) ( 1 ), it 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. '' Lastly, 15 USC 1681 emphasizes that every consumer reporting agency shall maintain reasonable procedures to avoid violations of section 1681 and to limit the furnishing of consumer reports to purposes authorized under section 1681b.

Based on these regulations, I am exercising my right to opt out of your reporting services. I hereby formally request that you cease reporting my information and recognize that I am exercising my right to opt out at any time, pursuant to 12 CFR 1016.7.

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