Consumer complaint received 2024-03-09 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:
I have reached out to XXXX XXXX  in regards to opting out & they have yet to honor my request. Specifically I have expressed to XXXX XXXX  that I am choosing to opt out of my non public personal information from being shared with non affiliate third parties & any and all authorization that I the consumer may have given them written, unwritten, verbal or non verbal as the Gramm-Leach-Bliley Act ( GLBA ) & The Privacy Act of 1974 gives me such right to do so. As a federal protected consumer I have the right to opt out under codes 15 USC 6802 ( b ) & 16 CFR 313.7 ( f ). Also 15 USC 6801 subsection ( a ) 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.

In their privacy policy its states that I must put them on notice when requesting to opt-out & I have gave such notice. Please make XXXX XXXX  honors my request to opt-out of sharing my non public personal information with non affiliate third parities moving forward unless I give them authorization to do so. I have also gave them a Friendly reminder that Experian, XXXX XXXX XXXX are non affiliate third parties as they are sharing my non public personal information & it has been caused inaccuracies on my credit report & effecting my credit worthiness violating my rights per the FCRA which credit reporting must be done Accurately and fair under code 15 USC 1681.

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 consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and as a Consumer I have the right to make sure there is no private information being shared which is protected 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) not only the financial institution but also the consumer reporting agencies such as Experian and XXXX do not have my authorization to furnish this nor any information also never have I ever gave or given my written consent to do so. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may 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. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' 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. '' This account is an adverse item they are reporting again without my authorization which is 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 are not maintaining reasonable procedures. 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.

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