Consumer complaint received 2024-06-16 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: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is stated that " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian, and XXXX are consumer reporting agencies, and I am the consumer. According to 15 USC 6801, " It is the policy of XXXX 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. '' The XXXX XXXX  qualifies as a financial institution under this title. 

15 USC 1681 section 604 ( a ) ( 2 ) states that " Any consumer reporting agency may furnish a consumer report only with the written instructions of the consumer to whom it relates. '' Neither the financial institution XXXX XXXX  nor the consumer reporting agencies XXXX, Experian, and XXXX have my consent to share this information, as I have not provided any written consent. All prior consent to XXXX, Experian, and XXXXwhether verbal, non-verbal, written, implied, or otherwiseis revoked. 

15 USC 6802 ( b ) ( c ) specifies that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I was never informed of my right to exercise this nondisclosure option. 

Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. '' The adverse item reported by the consumer reporting agencies without my permission is against the law. 

Under 15 USC 1681s-2 ( A ) ( 1 ) ( A ), " 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. '' Furthermore, 15 USC 1681e requires that " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes listed under section XXXX. '' XXXX, Experian, and XXXX are failing to maintain reasonable procedures. 

Finally, under 12 CFR 1016.7, " A consumer may exercise the right to opt out at any time. '' I am hereby opting out of your reporting services regarding the referenced account XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX which was opened in XX/XX/year>. 

Sincerely, 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