Consumer complaint received 2024-08-06 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:
According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX 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. '' Experian and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by XXXX XXXX XXXX which states " It is the policy of the XXXX 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 consumers ' nonpublic personal information. '' ( Furnishers of information to credit agencies ) is a financial institution by definition under that title. XXXX XXXX XXXX section XXXX ( a ) states that " In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and NO OTHER : ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies Experian and XXXX 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, ( Furnishers of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked and rescinded. XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution XXXX 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. '' ( Furnishers of information to credit agencies ) NEVER informed me of my right to exercise my nondisclosure option. Not only that XXXX XXXX XXXX ( a ) ( XXXX ) states Except as authorized under subsection ( b ), no consumer reporting agency XXXX 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 an adverse item they are reporting again without my permission which is against the law. XXXX XXXX XXXX ( A ) ( XXXX ) A states A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX states Every consumer 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. Experian and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that A consumer XXXX exercise the right to opt out at any time. I am opting out of your reporting services. 
Furthermore I am demanding my right to privacy under XXXX XXXX Code XXXX, with the right to reserve my privacy under XXXX XXXX Code XXXX. 
I do not ever recall volunteering my XXXX to any credit reporting agencies. Consumer reporting agencies are just that, agencies. Proof of bonds, oaths of office, and the charter XXXX be produced verifying this agency is in fact a governmental entity instead of an agency. XXXX violation of my privacy is permitted under XXXX XXXX XXXX XXXX ( b ).

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