Consumer complaint received 2025-02-22 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: OH

Complaint narrative:
The Following accounts need to be IMMEDIATELY REMOVED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( 15 U.S.C. 1681, Section 602 ( a ) ), " 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 XXXX and Experian are consumer reporting agencies, and I am the consumer. As such, I have the right to ensure that my private information is not shared without my consent. This right is further supported by 15 U.S.C. 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. '' The furnisher of information to credit agencies qualifies as a financial institution under this title. 

Under 15 U.S.C. 1681, Section 604 ( a ) ( 2 ), " 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. '' Neither the furnisher of information to credit agencies ( the financial institution ) nor the consumer reporting agencies ( XXXX and Experian ) have my consent to furnish this information. Specifically, they do not have my written consent. I hereby revoke any and all consentwhether verbal, non-verbal, written, implied, or otherwisepreviously granted to XXXX, Experian, or the furnisher of information to credit agencies. 

Additionally, 15 U.S.C. 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) explicitly 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. '' The account in question is an adverse item being reported without my permission, which is a violation of this law.

Moreover, 15 U.S.C. 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. '' Additionally, 15 U.S.C. 1681e requires that " 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 and Experian are failing to maintain reasonable procedures as required by law. 

Finally, under 12 CFR 1016.7, " A consumer may exercise the right to opt out at any time. '' I am formally exercising my right to opt out of all reporting services provided by XXXX, Experian, and the furnisher of information to credit agencies.

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