Consumer complaint received 2025-07-01 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:
-- - NOTICE TO CEASE UNAUTHORIZED REPORTING AND DISCLOSURE OF PRIVATE CONSUMER INFORMATION Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( a ) ( 4 ), it is established that consumer reporting agencies bear grave responsibilities and are required to act with fairness, impartiality, and respect for the consumers right to privacy. As the Consumer, I am asserting my rights under federal law.

Equifax and Experian are consumer reporting agencies ( CRAs ) under the law. I am the consumer to whom the reported information pertains. Under 15 U.S.C. 6801, financial institutions and furnishers of information have a continuing obligation to protect and maintain the confidentiality of my nonpublic personal information.

Further, 15 U.S.C. 1681b ( 604 ) ( a ) ( 2 ) makes it clear that a consumer reporting agency may only furnish a consumer report with the written instruction of the consumer. At no time have I given written authorization to Equifax, Experian, or any furnisher to report or disclose my personal information. Any previous consent, whether written, verbal, implied, or assumed, is hereby formally revoked.

According to 15 U.S.C. 6802 ( b ) - ( c ), a financial institution may not disclose nonpublic personal information to any nonaffiliated third party without first providing the consumer with the opportunity to opt out. No such notice or option was ever provided to me, and as such, any disclosures made are in violation of federal law.

Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports that is more than seven years old, excluding criminal convictions. Any such outdated item currently reported is unlawful and must be removed immediately.

Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no entity may furnish information to a CRA that it knows or should reasonably know is inaccurate. And under 15 U.S.C. 1681e, CRAs are legally obligated to maintain procedures to avoid violations and to ensure consumer reports are furnished only for lawful purposes. Equifax and Experian have failed to maintain such procedures.

Lastly, as codified in 12 C.F.R. 1016.7, I have the right to opt out of the disclosure and sharing of my personal information at any time. I am hereby exercising that right and demanding immediate cessation of all reporting, sharing, or furnishing of my personal, private, or financial information to any third party without my express written consent.

This letter serves as formal notice and legal demand. Continued reporting or disclosure of my information without compliance with the above-referenced statutes will be considered willful noncompliance, subject to enforcement and remedies under federal law.

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