Consumer complaint received 2024-03-28 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: GA

Complaint narrative:
XXXX XXXX - XXXX I am the agent XXXX, XXXX XXXX for the Principal XXXX XXXX XXXX XXXX attempt to opt of reporting services for the Capital XXXX Account Number XXXX with Experian. The Fair Credit Reporting Act or XXXX XXXX XXXX section XXXX 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. Experian is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to XXXX XXXX XXXX. XXXX XXXX XXXX states that It is the policy of XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX is a financial institution by definition in accordance with XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX ( a ) section XXXX references In general Subject to section ( c ), any consumer reporting agency XXXX 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 who is the financial institution and the consumer reporting agency reporting on this account ( Experian ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Experian, and XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. XXXX XXXX XXXX ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option. 

Additionally, XXXX XXXX XXXX ( a ) ( XXXX ) 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 XXXX years. This account is in fact an adverse item they are reporting without my permission which is against the law. XXXX XXXX XXXX ( A ) ( XXXX ) states that 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 information is inaccurate. Furthermore, XXXX XXXX XXXX ( XXXX ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. Finally, pursuant to XXXX CFR XXXX 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