Consumer complaint received 2023-12-19 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: FL

Complaint narrative:
on XX/XX/XXXX i sent notices to XXXX and experian infromning them they illeagly reporting my consumer data. i informed both credit reporting agencies that i had sent an opt out notice per 12 cfr 1016.7 to XXXX  and that the data should not be reported since XXXX  recieved and acknowledged my notice on XX/XX/XXXX. also i informed them that they where violating my consumer privacy rights by continuing to report my data after i had already sent a letter to both companies revoking all consent to furnish any data pertaining to my XXXX. even after reciving this notice of rescion and notice to opt out both experian and XXXX continued to neglect my consumer rights by dishonoring my notices and continued to report weeks after the reception of the notices. i insisted that they where in violation of my rights and federal law including : 12 cfr 1016.7 which grants consumers the right to opt out of credit reporting.

15 usc 1681 section 604 ( a ) ( 2 ) : requires consumer reporting agencies to only furnish reports accordance with written instruction from the consumer.

15 u.s. code 1681n : outlines civil liability for willful noncompliance with the fair credit reporting act. the continued presence of the account on my consumer report has caused extreme emotional and financial distress. their reporting has caused a negative impact on my ability to conduct consumer credit transactions. both reporting agencies has directly affected my creditworthiness causing creditors to deny me access to financial products. additionally XXXX and experian continued reporting constitutes a violation of the privacy act of 1974. i am asking for both reporting company 's to cease reporting immediately. if they can not furnish proof i gave them consent to report my data and proof that i have opted back in reporting with applecard the account must be removed 12 C.F.R. 1016.7 : This regulation explicitly grants consumers the right to opt out of credit reporting for specific accounts, including store cards like XXXX XXXX. 
15 U.S.C. 1681s ( a ) ( 2 ) ( A ) ( i ) : This section of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies like XXXX to only furnish information in accordance with the consumer 's written instructions. 
15 U.S.C. 1681n : This section outlines potential civil liability for willful noncompliance with the FCRA, including monetary damages and injunctive relief.

The continued presence of the illegally reported XXXX XXXX data on my credit report has caused me significant emotional and financial distress. It has negatively impacted my ability to conduct consumer credit transactions and directly affected my creditworthiness, potentially leading to denials of financial products.

Furthermore, this continued reporting potentially violates the Privacy Act of 1974, which restricts the unauthorized disclosure of personally identifiable information from government records. 

Therefore, I demand immediate action to rectify this situation : Cease Reporting : Immediately cease reporting my XXXX XXXX data on my credit report. 
Removal of Data : Permanently remove all illegally reported XXXX XXXX information from your records. 
Proof of Consent : If you claim I provided consent for reporting despite my opt-out and revocation notices, please furnish immediate and verifiable proof of such consent.

Credit Report Correction : Update my credit report to accurately reflect the absence of any XXXX XXXX data. 
Please confirm receipt of this complaint and provide a clear timeline for resolving this matter. I reserve all legal rights and remedies available to me should you fail to take prompt and corrective action. 

Sincerely,

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