Consumer complaint received 2024-07-01 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: MO

Complaint narrative:
Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal - Legal Violations Regarding Consumer Profile I hope this NOTICE finds you well. I am writing to address a matter of utmost significance regarding the improper use of my consumer profile, leading to potential discrimination from other collection agencies based on inaccurate credit reporting. It is crucial that Original Creditor : ( XXXX ) [ XXXX XXXX XXXX ] rectifies these issues promptly in accordance with applicable laws and regulations. The foundational principle, Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal, deeply embedded in legal doctrine, serves as the bedrock for addressing the violation at hand. Title 15, Section 1692c ( 15 U.S.C. 1692c ) of the United States Code establishes explicit limitations on communication in connection with debt collection. These limitations prohibit debt collectors from communicating about a consumers debt to third parties unless under specific circumstances, such as with the consumers consent or for the purpose of locating the consumer. In conjunction with these provisions, it is imperative to comprehend the concept of permissible purpose as defined in 15 U.S.C. 1681b. This section delineates the legitimate reasons for obtaining and using consumer reports, ensuring that creditors have a valid and authorized basis for accessing and utilizing a consumers credit information. Violating this principle arises when a creditor sells a debt without a permissible purpose, raising significant concerns about the legality of such actions. The violation extends beyond the boundaries of the Fair Debt Collection Practices Act ( FDCPA ). While the FDCPA primarily applies to third-party debt collectors, original creditors, such as ( XXXX ) [ XXXX XXXX XXXX ] must also adhere to other applicable laws and regulations. The Truth in Lending Act ( TILA ), specifically TILA Violation 1026.9, mandates adequate notice of the sale of debt. The absence of such notice constitutes a violation of TILA, compounding the severity of the violation. According to 16 CFR 313.7, I hereby opt out of having any information pertaining to my account with Original Creditor : ( XXXX ) [ XXXX XXXX XXXX ] reported to credit reporting agencies. Please ensure that my account status and any associated data are not disclosed to any credit bureaus or included in any credit reports. This request is in accordance with my rights under the Fair Credit Reporting Act. Under the provisions of 15 USC 6802, I demand that Original Creditor : ( XXXX ) [ XXXX XXXX XXXX ] refrain from disclosing any of my personal information to third parties for marketing purposes. Please ensure that my personal data, including but not limited to my name, contact information, and transaction history, is not shared with any external entities without my explicit consent. This request is made in accordance with the protections afforded to consumers under the Gramm-Leach-Bliley Act. Your compliance with this demand is imperative to safeguarding my privacy rights, and any violation will be subject to legal recourse. According to the companys XXXX prospectus report they must abide by the following : Written communications pursuant to Rule 425 under the Securities Act ( 17 CFR 230.425 ) Soliciting material pursuant to Rule 14a-12 under the Exchange Act ( 17 CFR 240.14a-12 ) Pre-commencement communications pursuant to Rule 14d-2 ( b ) under the Exchange Act ( 17 CFR 240.14d-2 ( b ) ) Pre-commencement communications pursuant to Rule 13e-4 ( c ) under the Exchange Act ( 17 CFR 240.13e-4 ( c ) )

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