Consumer complaint received 2024-05-20 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: MI

Complaint narrative:
Re : XXXX XXXX  Account # XXXX Consumer reporting agencies must uphold their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy, as mandated by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, section 602 ( a ).

According to the Fair Credit Reporting Act, 15 USC 1681, section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian, and XXXX are consumer reporting agencies, and I am the consumer. I have the right to ensure my private information isn't shared, enforced by 15 USC 6801, which states : " It is the policy of 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. '' XXXX XXXX is a financial institution by definition under that title. 
15 USC 1681, section 604, subsection ( a ), section 2 states : " 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. '' XXXX XXXX, the financial institution, and the consumer reporting agencies XXXX, Experian, and XXXX do not have my permission to furnish this information, and they surely do not have my written consent. Any, and all, consent to XXXX, Experian, XXXX, and XXXX XXXX, whether it be verbal, non-verbal, written, implied, or otherwise, is revoked! 
15 USC 6802, subsections ( b ) and ( c ), state : " 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. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C, subsection ( 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 permission, which is against the law. 
15 U.S. Code 1681s2 ( A ) ( 1 ) A states : " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' 15 U.S. Code 1681e states : " Every consumer reporting agency shall maintain reasonable procedures 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, Experian, and XXXX are not maintaining reasonable procedures. 
In accordance with 12 CFR 1016.7, I hereby exercise my right to opt 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