Consumer complaint received 2024-05-06 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: NJ

Complaint narrative:
Im the consumer writing this and Im not using a third party company. Per the stipulations delineated in the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ), it is incumbent upon consumer reporting agencies such as XXXX, Experian, and XXXX to discharge their duties with due regard to fairness, impartiality, and the safeguarding of consumers ' privacy rights. As a consumer, I assert my prerogative to ensure that my private information remains inviolate, a right fortified by the provisions of 15 USC 6801, which enshrines the obligation of financial institutions to uphold customer privacy and protect the confidentiality of nonpublic personal data.

It is pertinent to underscore that any dissemination of information by a " furnisher of information to credit agencies, '' as classified under the aforementioned statute, necessitates adherence to specific parameters outlined in 15 USC 1681, Section 604 ( a ) ( 2 ). This provision unequivocally mandates that the furnishing of consumer reports is contingent upon the explicit written directives of the concerned consumer. At present, neither the financial institution, herein referred to as the " furnisher of information to credit agencies, '' nor the consumer reporting agencies, XXXX, Experian, and XXXX, possess the requisite consent, whether express or implied, to furnish my personal information. Accordingly, any purported consent previously granted is hereby rescinded.

Furthermore, in accordance with 15 USC 6802 ( b ) ( c ), financial institutions are proscribed from divulging nonpublic personal information to external entities without affording consumers a clear explanation of their right to opt out of such disclosures. Regrettably, the " furnisher of information to credit agencies '' failed to apprise me of this nondisclosure option, contravening statutory directives.

Moreover, 15 USC 1681C ( a ) ( 5 ) expressly prohibits consumer reporting agencies from including adverse information in consumer reports absent authorization under subsection ( b ), thereby rendering the inclusion of such adverse items without my consent unlawful.

Additionally, under 15 U.S. Code 1681s2 ( A ) ( 1 ) and 15 U.S. Code 1681e, entities are mandated to furnish accurate information to consumer reporting agencies and maintain reasonable procedures to avert violations of statutory provisions concerning the furnishing of consumer reports. XXXX, Experian, and XXXXXXXX XXXX failure to adhere to these mandates signifies a lapse in their adherence to requisite protocols.

Lastly, in accordance with 12 CFR 1016.7, consumers possess an inherent right to opt out of reporting services at their discretion. Therefore, I formally exercise my right to opt out of the reporting services provided by the aforementioned consumer reporting agencies.

In summation, I urge immediate cessation of any further dissemination of my personal information by XXXX, Experian, XXXX, and the " furnisher of information to credit agencies, '' in strict adherence to the provisions outlined within the Fair Credit Reporting Act and associated regulations.

please remove the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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