Consumer complaint received 2024-08-07 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:
Subject : Immediate Attention Required Violation of Privacy Protections Under 15 USC 6801 and 6802 Dear [ Experian, XXXX and XXXX ], I am writing to demand immediate action regarding a grave violation of my privacy rights under 15 USC 6801 and 6802. It has come to my attention that my private information has been unlawfully furnished to your agency without my explicit consent and without the required documentation. This is a blatant breach of the Gramm-Leach-Bliley Act ( GLBA ) and demonstrates a reckless disregard for federal privacy regulations.

Under 15 USC 6801, financial institutions are unequivocally required to : Ensure the security and confidentiality of customer records and information. 
Protect against any anticipated threats or hazards to the security or integrity of such records. 
Guard against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
Furthermore, 15 USC 6802 explicitly prohibits the disclosure of nonpublic personal information about a consumer to non-affiliated third parties unless the consumer has been provided with a clear and conspicuous opportunity to opt-out of such disclosure. You have failed to ensure that the information furnished to you complies with these mandatory requirements. 
Your failure to adhere to these requirements has resulted in the unauthorized dissemination of my personal information, thereby exposing me to potential harm and inconvenience. This breach of privacy is not only unlawful but also subject to significant penalties. Under the GLBA, non-compliance can result in fines of up to {$100000.00} per violation for the institution, and individuals, including directors and officers, may be personally fined up to {$10000.00} per violation. 
I demand the following actions be taken without delay : Cease and Desist : Immediately halt any further unauthorized sharing and use of my personal information. 
Investigation and Rectification : Conduct a thorough investigation into this violation and provide a detailed account of your findings.

Policy Review : Review and update your privacy policies and procedures to ensure strict compliance with the GLBA and other relevant privacy laws. 
Confirmation of Compliance : Provide written confirmation of the measures taken to rectify this breach and prevent future occurrences. 
Failure to address this violation promptly and adequately will compel me to pursue further action, including filing a formal complaint with the Federal Trade Commission ( FTC ) and seeking legal recourse to protect my rights. 
I expect a comprehensive response within 15 business days from the date of this letter. Should you have any questions or require additional information, you may contact me at [ XXXX ]. 
This matter is of the utmost seriousness and urgency. I trust you will handle it accordingly. 

Account that Need to be Removed immediately XXXX XXXX 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