Consumer complaint received 2024-01-15 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX, Experian and XXXX 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 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 XXXX, XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX and XXXX XXXX are the financial institution and the consumer reporting agencies 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 Experian, XXXX and XXXX. 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. There should only be one correct spelling of my name, one address which is mailable and employment history showing on my file based of this information XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX and XXXX XXXX Retired This is the only information I approve to be on my consumer report with XXXX, Experian and XXXX and I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states 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.

In accordance to IRS Section 166. B Deduction for Bad Debts and 26 USC 108 - Income from discharge of indebtedness, XXXX and Experian have on my credit report under Collections section : XXXX XXXX XXXX and XXXX XXXX XXXX, which is charged off debt and I need these deleted from my file. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX and XXXX XXXX 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. This account is an adverse item they are reporting again without my permission which is against the law. I would like these account to be updated to paid as agreed on my credit files with Experian, XXXX and XXXX. 
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These list of inquiries : 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  ) and ( XXXX XXXX ) XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XXXX XXXX XXXX  ) XXXX ( XXXX XXXX ) XXXX XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX ) XXXX  XXXX XXXX XXXX XXXX XXXX ) should be removed from my credit file with Experian, XXXX and XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c.

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 non-monetary relief