Consumer complaint received 2025-04-18 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: MO

Complaint narrative:
Privacy Violation, Opt-Out Request, and Unauthorized Information Sharing To Whom It May Concern : I am writing to formally notify you of several serious concerns regarding the handling of my personal information and the reporting of data to third parties in violation of your own Terms and Conditions and Privacy Policy, as well as federal consumer protection laws. 

These companies have unlawfully disclosed, disseminated, and transmitted my personal information to non-affiliated third parties, including but not limited to Experian, XXXX, XXXX, XXXX, and XXXX XXXX XXXX, all of whom are independent credit reporting or data aggregation agencies with no legal affiliation to These companies reporting on my credit file. This constitutes a breach of your stated privacy practices and is in direct violation of federal privacy laws. 

Specifically : 15 U.S. Code 6802 prohibits financial institutions from disclosing nonpublic personal information to non-affiliated third parties without providing a clear and conspicuous notice and the opportunity to opt out. 
Under 15 U.S. Code 6803-6805, companies are required to maintain procedures to protect consumer privacy and provide clear notices of such practices. 
15 U.S. Code 6508, in conjunction with the Childrens Online Privacy Protection Act, reinforces the protection of personal data and requires express consent for data sharing. 
15 U.S. Code 1681b of the Fair Credit Reporting Act ( FCRA ) strictly limits the circumstances under which a consumer reporting agency may furnish a consumer report. Your reporting of allegedly negative or derogatory data to CRAs without permissible purpose or proper consent violates this statute. 
Further, the Privacy Act of 1974 ( 5 U.S.C. 552a ) prohibits federal agenciesand by extension any companies interfacing with those systemsfrom maintaining records or disseminating information on individuals without their consent unless explicitly authorized by law. 

You have failed to obtain my express, written, and informed consent to transmit my personal information to these third-party entities. As a federally protected consumer, I hereby opt out of any and all information sharing and demand that you immediately : 1.Cease and desist from reporting any and all information pertaining to my name or identifiers to any third-party or affiliated credit bureau. 
2.Remove and delete any existing entries you have shared with Experian, XXXX, XXXX, XXXX, XXXX XXXX  XXXX , and any other data aggregator or CRA. 
3.Provide me with a detailed report of all entities to whom my data has been disclosed, as required under federal law. 

Failure to comply with this demand may result in legal action under the Fair Credit Reporting Act, Gramm-Leach-Bliley Act, and other applicable federal statutes. 

This notice serves as a formal opt-out request and dispute of any current or future reporting. Please confirm receipt of this letter within ten ( 10 ) business days and provide written documentation of the actions taken to comply.

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