Consumer complaint received 2024-02-10 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: GA

Complaint narrative:
EXPERIAN, XXXX AND XXXX Date : XX/XX/year>2023 Subject : Opt-Out of Authorized Sharing, Update Account Status, and Dispute Inaccurate Information Dear EXPERIAN XXXX XXXX AND XXXX I am writing to you today regarding my credit report and my account with XXXXXXXX XXXX UNDER XXXX XXXX account number XXXX. 

Opt-Out of Authorized Sharing : Please be advised that I have opted out of XXXXXXXX XXXX XXXX  authorized sharing program and request that you update any information shared under this program from my credit reports. To ensure my opt-out request is processed accurately, I have included a copy of documentation. 

Update Account Status : It is my understanding that my XXXX XXXX account XXXX XXXX XXXX is in good standing and has been consistently paid never late. Please update my credit report to reflect this accurate information. 

I request that you : UPDATE- NEVER LATE/PAID UPDATE NEVER LATE/PAID Investigate and correct any inaccurate information on my credit report related to the XXXXXXXX XXXX  account. 


XXXX Limits on disclosure of non-public personal information to nonaffiliated third parties. ( XXXX ) Opt out definition. Opt out means a direction by the consumer that you not disclose nonpublic personal information about that consumer to a nonaffiliated third party, other than as permitted by XXXX, XXXX, and XXXX. 

XXXX XXXX XXXX AUTHORIZED SHARING We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf, such as service providers that provide marketing assistance or direct sales companies.

We also may share certain information among our affiliate companies. You may opt out of sharing related to certain types of sharing with affiliates. Please see the link to our Privacy Notice above for more information. The following page will let you make an affiliate information sharing opt out selection if desired. 
Affiliate Sharing Opt Out We may also enter into joint marketing agreements with other financial institutions, such as financial service or insurance providers, to make available to you a greater range of financial products and services than we alone can offer. We may disclose to such joint marketers all of the information we collect, as described above, as needed in order to jointly market financial services.

We carefully choose such service providers and joint marketers and require them to comply with certain confidentiality standards and prohibit them from disclosing or using information about you solely for their own purposes. 
We are also permitted by law to disclose information about you to nonaffiliated third parties in certain other circumstances. For example, we may disclose information about you to such third parties to assist us in servicing your loan or account with us, to process and service transactions you request or authorize, to protect potential fraud or unauthorized transactions, in response to judicial process, and to consumer reporting agencies. 
XXXX XXXX periodically collects, transmits, and uses geolocation information to enable features that prevent fraudulent card use and send alerts, but only if the End User expressly authorizes collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the XXXX is being used or not at all, depending on the End Users selection. End Users can change their location permissions at any time in their device settings. 



If I do not receive a response or if my request is not fulfilled to my satisfaction, I will be forced to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX EMAIL CONTACT XXXX PHONE XXXX

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