Consumer complaint received 2024-02-29 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: PA

Complaint narrative:
[ Consumer Financial Protection Bureau ] Subject : Formal Complaint Pursuant to 15 USC 1681 I am writing to file a formal complaint regarding potential violations of the Fair Credit Reporting Act ( 15 USC 1681 ) by XXXX XXXX XXXX. I believe that my rights under the Act have been violated due to In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 
As Per the Federal Credit Reporting Act as a federally protected consumer, in accordance with 15 USC 6802 I am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX XXXX XXXX written, unwritten, verbal or non verbal to report my nonpublic personal information. XXXX XXXX XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXXXXXX XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as XXXX and I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every thirty ( 30 ) days which XXXX XXXX XXXX never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. 

I have attached supporting documentation, including copies of relevant credit reports and correspondence with the company, detailing the inaccuracies and discrepancies in my credit report. I have made multiple attempts to resolve this matter directly with XXXXXXXX XXXX XXXX but have not received a satisfactory resolution. 

Under the provisions of the Fair Credit Reporting Act, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to rectify the inaccuracies in my credit report and ensure that XXXX XXXX XXXX complies with all relevant provisions of the Act. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please feel free to contact me if you require any further information. 

Thank you for your assistance.

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