Consumer complaint received 2025-01-03 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:
**Consumer Financial Protection Bureau*XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX am writing to formally file a complaint against XXXX XXXX and Experian for what I believe to be a violation of my rights under **15 U.S. Code 6801**, **15 U.S. Code 6802**, **15 U.S. Code 6803**, **15 U.S. Code 1681 ( b ) **, and **15 U.S. Code 1681 ( n ) **, in relation to the improper handling and sharing of my personal financial information with 3rd party affiliate XXXX. 

XXXX XXXX XXXX Violation of 15 U.S. Code 6801 **Privacy Provisions** Under **15 U.S. Code 6801** , financial institutions are required to establish privacy policies and practices to safeguard the confidentiality of their customers ' personal financial information. I have reason to believe that XXXX XXXX has failed to adopt appropriate policies and procedures for safeguarding my nonpublic personal information. 

XXXX XXXX XXXX  Violation of 15 U.S. Code 6802 **Disclosure of Nonpublic Personal InformatioXXXX XXXX15 U.S. Code 6802XXXX  requires financial institutions to limit the sharing of nonpublic personal information without consumer consent, except in specific circumstances. XXXX XXXX has violated this provision by ** [ describe the violation, e.g., sharing your financial data with third parties without your consent, not adhering to privacy notice requirements, etc. ] **. 

# XXXX XXXX Violation of 15 U.S. Code 6803 **Notice of Policies and Practices** Under **15 U.S. Code 6803** , financial institutions are obligated to provide customers with clear notices of their privacy policies and practices, explaining how their nonpublic personal information will be shared. I have not received a sufficient or timely notice from XXXX XXXX detailing their practices or obtaining my consent to share my financial information. This lack of notice further exacerbates the violation of my privacy rights. 

XXXX XXXX XXXX Violation of 15 U.S. Code 1681 ( b ) **Permissible Purpose of Consumer Reports** According to **15 U.S. Code 1681 ( b ) **, a consumer reporting agency or any financial institution may only access or share a consumer 's financial information under permissible purposes as defined under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has accessed or shared my financial information without a valid or permissible purpose, thereby violating this statute. 

I respectfully request your assistance in investigating XXXXXXXX XXXX actions and ensuring that they are held accountable for these violations of the GrXXXX XXXX, Fair Credit Reporting Act, and applicable consumer privacy laws. 

I appreciate your attention to this matter and request that you inform me of the steps being taken to resolve this issue. I would also appreciate any guidance on further steps I may need to take to protect my rights.

Thank you for your time and consideration.

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