Consumer complaint received 2025-03-11 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Subject : Dispute of Unauthorized Disclosure of Personal Financial Information Pursuant to 15 U.S.C. 6802Dear, XXXX XXXX XXXX, I am writing to formally dispute the unauthorized disclosure and/or misuse of my personal financial information by your institution, which I believe constitutes a violation of 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ). Under this statute, financial institutions are prohibited from disclosing nonpublic personal information ( NPI ) about consumers to third parties without their explicit consent, except as permitted by law.It has come to my attention that [ describe the incidente.g., my financial information was disclosed to a third party without my consent or there was a breach in the safeguards protecting my personal data ].

This action appears to be a direct violation of the provisions set forth in 15 U.S.C. 6802, which mandates that financial institutions implement appropriate measures to protect the confidentiality and security of consumers nonpublic personal information and restrict the sharing of such information without the consumers express authorization.In light of the aforementioned violation, I respectfully demand the following : 1. A full and complete explanation regarding the circumstances under which my nonpublic personal information was disclosed or shared without my express consent. 2. A copy of any documentation related to your institutions practices concerning the collection, disclosure, and safeguarding of personal financial information, in compliance with 15 U.S.C. 6802. 3. Immediate action to remedy this violation, including but not limited to the removal of my personal information from any unauthorized third parties, and a confirmation that no further disclosures will occur without my written consent. 4. A written assurance that your institution has implemented corrective measures to ensure compliance with the privacy protections outlined in the Gramm-Leach-Bliley Act.Please be advised that, under the GLBA, I am entitled to the protection of my personal financial information and to receive clear documentation regarding how my data has been handled. Therefore, I request that you respond to this dispute no later than [ Insert a reasonable time frame, e.g., 30 days ] from the date of this letter. Failure to adequately address this dispute within the specified timeframe will compel me to consider further legal actions, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or pursuing any other appropriate legal remedies available under the law.This letter serves as an official notice of my dispute, and I expect a prompt and detailed response to the matters outlined herein. Should you require further information or clarification from me, kindly advise me in writing. 

Sincerely, [ 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