Consumer complaint received 2024-12-17 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:
To whom it may concern, This statement is a statement to put the below listed financial institutions on notice. I am asking that all disclosure forms that I signed to have my non-public personal information be provided from the creditors of XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX that I gave permission for any of my transactions and or experiences with the above-named creditors to be reported to any outside third party including but not limited to EXPERIAN, XXXX, and XXXX. According to U.S CODE S 6801 this law addresses the protection of non-public personal information and non-public personal information all late fees are included in this law. Nonpublic personal information is a transaction and or experience made between me and the creditor directly. As you can see according to federal law GRAMM LEACH BLILEY ACT 15 U.S CODE S 6802 my rights have been greatly violated. I am asking that all late fees from account XXXX account # XXXX be immediately removed pursuant to U.S CODE S 6802 ( b ) opt out. ( 1 ) In general A financial institution may not disclose non-public personal information to a non affiliated party unless- ( A ) such fiancial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given the explanation of how the consumer can exercise that non-disclosure option. If these specific documents are not provided at the time of any transaction and or experience according to the GRAMM LEACH BLILEY ACT 15 US CODE 6801 a consumer violation have taken place and is a form of identity theft because there was deception in the original contract agreement between such parties. I am asking also accounts XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX be removed immediately from my credit profiles. There are some inquiries XXXX XXXX and XXXX attached to my nonpublic personal information as well and I am asking they are deleted and removed from my credit profiles because you can not provide permissible purpose or proof such as written authorization documented. Please provide me with this certified information for all accounts listed above in this notice. In the absence of any such documentation, I formally request that these inquiries and negative accounts be immediately deleted from the credit file that you maintain under my social security number. Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the ( CRA ) the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. While pursuant to 15 USC 1681b2 under new guideline permissible purpose of consumer reports a clear and conspicuous disclosure has been made in writing to the consumer any time before the report is procured or caused to be procured in a document that consists solely of the disclosure. If you can not possess documentation that gave you permission under 15 USC 1681B. 15 USC S 1681N discusses civil liability for willful noncompliance in which each violation penalty is $ XXXX.There are also some addresses that I am not affiliated with on my credit profile which need to be deleted immediately ; XXXX XXXX XXXXXXXX XXXX, Pa, XXXX. There is also a incorrect name that is reporting to my personal information XXXX, XXXX. Please delete that information upon receiving this notice With kind regards, 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