Consumer complaint received 2024-02-20 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: MS

Complaint narrative:
XXXX, EXPERIAN, and XXXX XXXX XXXX are in violation of my consumer rights by improperly and unlawfully reporting missed payments my consumer report. This is a violation of my privacy pursuant to 15 USC 6801. Per the consumer agreement on file with XXXX XXXXXXXX XXXX  they will not share my information with third party companies. XXXX and EXPERIAN are by law third party companies in relation to XXXX XXXX XXXX How did XXXX and EXPERIAN verify this information if XXXX XXXX XXXX  doesn't share information with third parties? 
15 U.S. Code 6801 - Protection of nonpublic personal information U.S. Code ( a ) Privacy obligation policy 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.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 

Both laws outline that my rights are being violated due to me never given the right to opt out of my payment information being reported which is my private information that should have never been shared in the first place. Also pursuant to 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report it is illegal to report transaction history ; 15 USC 1681b ( 2 ) I have never given written instruction to do so. Pursuant to 15 U.S. Code 6805- Enforcement the CFPB needs to enforce these laws which protect my privacy as a consumer. 
Furthermore, the Privacy ACT of 1974 clearly states that my privacy rights are being violated.

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