Consumer complaint received 2025-03-13 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:
Subject : Request to Cease Reporting Financial Information to Credit Bureaus Under Federal Law Dear Sir or Madam, ( XXXXXXXX XXXX CREDIT BUREAU & THE REPORTING CREDIT BUREAUS ) I am writing to formally request that XXXX XXXX immediately cease reporting all financial information related to my XXXX XXXX accounts to the credit bureaus and remove any such data from my credit report. This request is made in accordance with my rights under federal law, specifically 15 U.S. Code 6802 ( b ) of the Gramm-Leach-Bliley Act ( GLBA ), which grants consumers the right to opt out of nonpublic personal information being shared with third parties, except under certain conditions. 

According to 15 U.S.C. 6802 ( b ) ( 1 ), financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless : The institution provides clear and conspicuous notice that such information may be disclosed.

The consumer is given the opportunity to opt out of such disclosure.

The consumer is provided with an explanation of how to exercise that option. 
I am exercising my right under 15 U.S.C. 6802 ( b ) to opt out of any further disclosure of my financial information to nonaffiliated third parties, including credit reporting agencies. Additionally, under 15 U.S.C. 6802 ( c ), any third party that has received my information from XXXX XXXX is also restricted from further sharing it, which includes credit bureaus.

Furthermore, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to dispute any information furnished to credit bureaus if I do not consent to its disclosure. Since I am expressly revoking my consent for XXXX XXXX to report my financial data, any continued reporting would constitute a violation of federal law. 

I kindly request that XXXX XXXX and the credit bureaus promptly process this request in accordance with federal law. Failure to comply will leave me no choice but to pursue legal action to enforce my rights, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 

Please provide a written confirmation of your compliance with my request within 30 days of receiving this letter. If you require any further information to process my request, kindly inform me in writing at the address provided above. I have attached a copy of the above referenced law in the file attached called, XXXX XXXX XXXX. It is hope that you will honor my request as if you fail to do so then I will be forced to seek legal actions to preserve my rights based on the laws listed in this notice. I am still liable for all debts owed to XXXX XXXX but I am exercising my rights to opt out of having my information shared with any third parties including the credit bureaus. 

Sincerely, 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