Consumer complaint received 2023-12-20 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: CA

Complaint narrative:
i have reached out to XXXX/dept of ed. last XX/XX/XXXX XX/XX/XXXX pertaining to the XXXX and XXXX. 
To, Experian, XXXX, and XXXX : Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you, written, verbal, and non verbal per 15 usc 6802. I Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party and nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 16 cfr 313 privacy of the consumer.It is also a violation to report transaction history. As a consumer this is a violation on my report for all of these accounts but not limited to both accounts with XXXX/Dept of ed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also in violation to the Privacy Act of 1974 and Family Education Rights and Privacy Act. 
I understand that you MAY report information about my account to the Credit Bureaus and other appropriate entities as allowed by law. I understand that my good payment history as well as late payments, missed payments, or other defaults on my account may be reflected in my credit report. IAW 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party 15 U.S. Code 6803 - Disclosure of institution privacy policy ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers. As these laws state that YOU must not report any nonpublic information to 3rd party affiliates ( experian/XXXX ) unless given consent from the consumer ( ME ) via in writing or electronic signature every 30 days. I'm also choosing the option to opt out of reporting such information to any 3rd party affiliates as per 15 USC 6802.

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