Consumer complaint received 2024-04-30 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:
According to the FCRA 15USC 1681.602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumer 's right to privacy. : XXXX, Experian, and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the financial institution has affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under the title. 15 USC 1681.04 a section 2 states that " In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and consumer reporting agencies XXXX, Experian, and XXXX, do NOT have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian ; XXXX, ( Furnisher of information to credit agencies ) where it be verbal, non-verbal, written, implied or otherwise is revoked. 15USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated 3rd party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681c ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records for convictions of crimes which antedates the report by more than 7 years. : This account is an adverse item they are reporting without my permission which is against the 15 USC 1681s-2 ( 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 USC 1681 e states " Every consumer reporting agency shall maintain reasonable procedure designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 b of this title. '' XXXX, Experian ; XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. " I am opting out of your reporting services and do not consent to any of the reporting listed and not limited to, reports XXXX XXXX report date XX/XX/XXXX all previous reporting history dates, original loan amount, amount paid, remaining balance amount, payments made, missed, delayed, rescheduled, extended, account status. etc. XXXX  XXXX, reported date XX/XX/XXXX, account balance, credit limit, available credit amount, all previous reporting history dates, original credit amount, payments made, missed, delayed, rescheduled, extended, account opened/closed, account status, etc. XXXX XXXX XXXX report date XX/XX/XXXX, all previous reporting history dates, original loan amount, amount paid, remaining balance amount, payments made, missed, delayed, rescheduled, extended, account status. etc. XXXX report date XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX all previous reporting history dates, original loan amount, amount paid, remaining balance amount, payments made, missed, delayed, rescheduled, extended, account status, inaccurate information and possible violation of XXXX, etc, you are in violation of Family Educational Rights and Privacy Act is a federal law enacted in XXXX that protects the privacy of student education records. XXXX XXXX XXXX ( b ) Accounts dating back to the year and date XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all previous reporting history dates, original loan amount, amount paid, remaining balance amount, payments made, missed, delayed, rescheduled, extended, account status, etc. XXXX XXXX, all previous reporting history dates, original loan amount, amount paid, remaining balance amount, payments made, missed, delayed, rescheduled, extended, account status. etc. XXXX XXXX, all previous reporting history dates, original loan amount, amount paid, remaining balance amount, payments made, missed, delayed, rescheduled, extended, account status. etc. XXXX XXXXXXXX, date reported XX/XX/XXXX, all previous reporting history dates, original loan amount, amount paid, remaining balance amount, payments made, missed, delayed, rescheduled, extended, account status, etc. XXXX XXXXXXXX XXXX, reported date XX/XX/XXXX, all previous reporting history dates, original loan amount, amount paid, remaining balance amount, payments made, missed, delayed, rescheduled, extended, account status, etc. XXXX XXXX, report date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all previous reporting history dates, original loan amount, amount paid, remaining balance amount, payments made, missed, delayed, rescheduled, extended, account status, etc. XXXX XXXX XXXX XXXX, report date XX/XX/XXXX, all previous reporting history dates, original loan amount, amount paid, remaining balance amount, payments made, missed, delayed, rescheduled, extended, account status, etc. XXXX XXXX report date XX/XX/XXXX, all previous reporting history dates, original loan amount, amount paid, remaining balance amount, payments made, missed, delayed, rescheduled, extended, account status, etc.

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