Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
According to ( 15 USC 1681 ) the Fair Credit Reporting Act section 602 ( a ) states " 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, XXXX and Experian are consumer reporting agencies ( CRAs ) and I am the Consumer. I have the right ensure my private information isn't shared. Im the victim of identity theft and have reported this to ALL 3 consumer reporting agencies who have refused to remove these inquiries and/or provide me with any details regarding their decisions.

15 USC 1681 ( FCRA section 604 a section 2 ) states that " 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. '' I DID NOT give these companies written authorization to access my credit report or furnish my personal information. They do not have my written authorization granting Permissible Purpose to make inquiries to access my consumer report.

Furthermore, 15 USC 1681a ( 2 ) ( A ) ( i ) defines what is included in a consumer report and states ( 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. 

Not only do these financial institutions not have my written authorization granting them permissible purpose to access my consumer report but furthermore the financial institutions and consumer reporting agencies are also in violation of the FCRA by reporting information solely related to specific transactions and experiences. 


Any and all consent to the financial institutions listed below whether it be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) states 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. '' I never gave the financial institutions listed below written authorization and furthermore they have never given me a notice of my right to exercise my right to opt out.

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. '' These inquiries are adverse items reporting without my permission wh
ich is against the law.

15 U.S. Code 1681e 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, XXXX and Experian are not maintaining reasonable procedures. 

The consumer reporting agencys are required to ensure these financial institutions have proof in the form of written authorization granting permissible purpose to access my consumer report. The CRAs are not following federal law and procedures. Furthermore, There is no law in existence that grants a financial institution the right to report any information on a private citizens consumer report but consumers have a right to opt out and CRAs have a duty to follow procedures of the FCRA, The Privacy Act and other federal laws. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I have given these companies notice that I exercise my my right as a federally protected consumer to opt-out. 

The following is a list of the Inquiries and Dates which violated my consumer rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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