Consumer complaint received 2024-07-03 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: CA

Complaint narrative:
In adherence to the mandates delineated within the Fair Credit Reporting Act ( FCRA ), I hereby submit this formal communication to revoke any and all authorizations, whether consciously or unwittingly conveyed, whether manifest in written or unwritten form, verbal or non-verbal. This consumer reporting agency " XXXX  XXXX '' and " XXXX XXXX XXXX '' are reporting an account to the Major consumer reporting agencies XXXX and Experian credit report and other consumer reports that should not be reporting that was assigned to my report XX/XX/XXXX. This is a violation of " 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I never received any written instructions nor gave any instruction to furnish this data. " 15 U.S. Code 1681a - Definitions ; rules of construction The term " consumer reporting agency '' means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term " consumer '' means an individual. The term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. According to P.L 90-321 ( 82 Stat. 146 ) which states that " any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ). '' They never received any request from such agency so this is also another violation. Also according to " 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 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. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports. '' Another violation from the consumer reporting agencies Experian, XXXX, XXXX  XXXX and XXXX XXXX XXXX. Also another violation from this consumer reporting agencies Experian, XXXX, XXXX  XXXX and XXXX XXXX XXXX is a violation of XXXX XXXX XXXX Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. They never received my authority to furnish this information to XXXX or Experian. 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 and Experian and XXXX XXXX XXXX are not maintaining reasonable procedures. " According to the Fair Credit Reporting Act 15 USC 1681 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 consumer 's right to privacy. '' XXXX, Experian, and XXXX XXXX GRVL are consumer reporting agencies under 15 U.S. Code 1681a 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 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. '' Under this title they are financial institutions. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. According to 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to the consumer or any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A Person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Once I notify you if any information is inaccurate it must stop reporting until it can be proved. Another violation that was infringed upon is 12 CFR 1016.4 Initial privacy notice to consumers required. ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third Party. I never received any notice before disclosing my information to any 3rd parties and I am owed a privacy notice before any information can be furnished to any consumer report. Also according to the Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions- ( 4 ) the term " record '' means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph. My consumer report is included in the term previously listed. Also according to 5 U.S. Code 552a ( b ) Conditions of Disclosure.- No agency shall disclose any record which is contained in a system of records by any means of communication ot any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again I never received a written request or notice to furnish any of this data so that is a violation. Verified account or not. This company never gave me any written notice that they are adding this to my consumer report and they obtained this information and sent it to XXXX  and Experian without my permission and that is illegal.

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