Consumer complaint received 2024-02-13 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:
According to the fair credit reporting act 15 USC 1681 section 602 states that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, partiality, and a respect for the consumers right to privacy. XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared, which is backed by 15 USC 6801 which states, Its the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers, and to protect the security and confidentiality of those customers non-public personal information. These companies that are listed in the attachments on my report are financial institutions by definition under that title. 15 USC 1681 section 604a section 2 states that In general subject to subsection c, any customer reporting agency may furnish a customer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The financial institutions that are attached and the consumer, reporting agencies, XXXX, Experian, XXXX, do not have my consent to furnish this information, and they surely dont have my written consent. Any and all consent to XXXX, Experian, XXXX whether it be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non-public personal information to a non-affiliated third party unless- the consumer is given an explanation of how the consumer can exercise the nondisclosure option. None of these companies ever informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states that 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 items of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. These accounts are adverse items they are reporting without my permission which is against the law. 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 1681c 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. XXXX, Experian, XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

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