Consumer complaint received 2024-03-19 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: GA

Complaint narrative:
Please remove all Inquiries, HARD, SOFT, and promotional as per 15 USC 1681b : Reporting agency must have written consent and permissible purposes from consumer PER FCRA, As a federally protected consumer I am now OPTING OUT of any and all consent/authorization, I the consumer did not give to any Reporting Agency or third party affiliates/ non affiliates : EXPERIAN XXXX and XXXX Per my written, unwritten, verbal and nonverbal consent to furnish my information per 12 CFR 1016.7 ( h ) 15 U.S. Code 6802 ( a ) ( 1 ) ( B ) 15 U.S. Code 1681 ( b ). 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

XXXX, XXXX, and EXPERIAN are not maintaining reasonable procedures. I am requesting every charge offs, which is a certificate of indebtedness indicating income and late payments removed for transactional reporting without my written consent. 

Per the Privacy Act of 1974, 5 U.S. Code 552 ( a ). I also want all hard inquiries removed, all phone numbers deleted besides XXXX due to inaccuracies. Delete all Addresses containing a NOTICE. Delete all Former or CURRENT EMPLOYERS data. 

The Privacy Act of 1974 applies to can be found CFR 433.3 As for relief, I am expecting COMPLIANCE from EXPERIAN XXXX and XXXX per 15 U.S. Code 6805 - Also an updated REPORT CONFIRMING DELETION of ALL NON PERMISSIBLE REPORTING.

15 USC 6802 STATES b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer XXXX XXXX XX/XX/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 non-monetary relief