Consumer complaint received 2024-04-05 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: FL

Complaint narrative:
XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under FCRA and Title 12 CFR 1016.7 provides A consumer may exercise the right to opt out at any time and as a Federally protected consumer, I have previously exercised my option to Opt-Out with XXXX, Experian, XXXX XXXX XXXX and XXXX. However, despite exercising my right to opt-out, XXXX, Experian, XXXX XXXX XXXX along with XXXX continue in violation of Privacy under the Privacy Act of 1974, ( 5 USC 552 ( A ) ) by reporting : personal, nonpublic, private financial transactions and information. These actions violate various laws under 15 USC 1681 of the Fair Credit Reporting Act and violate my previous written expressed instructions to opt-out. The Fair Credit Reporting Act 15 USC 1681 602a provides There is 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, XXXX XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which provides 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. XXXX, Experian, XXXX XXXX, and XXXX are financial institutions by definition under that title. 15 USC 1681 604a section 2 states In general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX, XXXX, XXXX XXXX, and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Consumer Relations ; whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant to 15 USC 6802 ( b ) ( c ) provides that 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., and above never informed me of my right to exercise my nondisclosure option. Not only that 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. XXXX, XXXX and Experian are reporting adversely and without my consent which is against the law. 15U.S.C. 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. Experian, XXXX, and 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 XXXX XXXX, and Experian, XXXX and XXXX 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