Consumer complaint received 2025-09-25 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: SC

Complaint narrative:
The following companies have violated my rights to privacy as well as furnished unauthorized and unverified debts on my consumer reports without my express written consent. I've also recognized other Violations listed below reported by TransUnion, Experian & Equifax thus damaging my commercial reputation in violation of F.D.C.P.A and F. C.R.A. 

XXXX XXXX XXXX - Alleged Amount = {$14000.00} Equifax : XXXXXXXX XXXX XXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX  Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Alleged Amount = {$1700.00} Equifax : XXXX XXXX XXXX XXXX XXXX  Experian : XXXXXXXX XXXX XXXX XXXX XXXX  Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Alleged Amount = {$740.00} Equifax : XXXXXXXX XXXX XXXX XXXX XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX Transunion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alleged Amount = {$850.00} 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 insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. TransUnion, Experian & Equifax are consumer reporting agencies, and I XXXX XXXX XXXX am the consumer. I have the right to ensure that my private information is not improperly shared.

This right is reinforced 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. A furnisher of information to consumer reporting agencies is defined as a financial institution under this statute.

Furthermore, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) provides : 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. I XXXX XXXX XXXX have not provided written consent to TransUnion, Experian & Equifax, or the furnisher of information to report or share my information. Any prior consentwhether verbal, written, implied, or otherwiseis expressly revoked.

Under 15 U.S.C. 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a non-affiliated third party unless the consumer is first provided with an explanation and given the option to opt out. At no time was I informed of my right to exercise this nondisclosure option.

Additionally, 15 U.S.C. 1681c ( 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. The account being reported is an adverse item and is being reported without my permission, which is unlawful.

15 U.S.C. 1681s2 ( A ) ( 1 ) ( A ) further provides : 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.

Moreover, 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. TransUnion, Experian & Equifax are failing to maintain reasonable procedures as required by law.

Finally, under 12 C.F.R. 1016.7, A consumer may exercise the right to opt out at any time. I XXXX XXXX XXXX hereby exercise my right to opt out of your reporting services. 

For these reasons, I am formally requesting that the Consumer Financial Protection Bureau review this matter, as TransUnion, Experian & Equifax, and the furnisher of information listed above are in violation of federal law and are failing to respect my rights as outlined under the FCRA and GLBA.

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