Consumer complaint received 2024-01-28 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:
Called Experian to discuss the discrepancies, violations, etc., but was given the runaround regarding my concerns with my transaction history, non-mailable addresses and promotional inquiries that say that I opted out on my report but my report shows inquiries from companies that I have no accounts or attachments to. 
On XX/XX/XXXX, I requested and received a copy of my credit reports from XXXX, XXXX and Experian. I am writing to address the ongoing contractual violations by XXXX XXXX  ( multiple accounts ), XXXX XXXX XXXX XXXX ( multiple accounts ) XXXX XXXX, XXXX XXXX ( multiple accounts ), XXXX XXXX, XXXX, XXXX XXXX, XXXX, EXPERIAN, XXXX, etc., resulting in significant breaches of federal privacy laws and rendering our contract void and ineffective immediately. The corporation has Violated The Privacy Act of 1974 as well as the terms and conditions of our agreement pertaining to its initial privacy notice. The Consumer has respectfully entrusted the corporation with a certain level of expectation that the financial records would be maintained safely, securely, and in good faith. The corporation has repeatedly, on a monthly basis disclosed non public personal information, including personal records and personal transaction history, to multiple non-affiliated third parties for marketable services such as 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Experian XXXX XXXXXXXX XXXX XXXX. Proof of violations are the exhibits attached to this complaint. The violations include but are not limited to : 1. reporting of several months paid to third party which is a violation of 15 USC 6805/15 CFR 313.7. 2. Unauthorized sharing of my personal financial information with a non-affiliate without explicit consent, infringing upon my right to opt-out as per 15 USC 6805/15 CFR 313.7. 3. The illegal inclusion of detailed transaction history in their reports, which is explicitly prohibited under 15 CFR 433.2. 4. False conveyance of language, misrepresenting the transaction history in their reports, a violation under 17 CFR 424. 5. Inclusion of promotional inquiry and solicitation, which is an additional breach of privacy rights. 6. The Information in the credit file was not always kept confidential 7. Criminal liability of any officer or employee of consumer reporting agency to an unauthorized person. 8. Has posed a significant risk to my privacy as a consumer XXXX. Reporting derogatory marks of UNPAID without my consent causing harm to the consumer The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I demand compensation for the breaches that have resulted in significant privacy violations, totaling { {$320000.00} } based on the identified violations, each amounting to { {$1000.00} } ; violations include 126 promotional inquiries and 199 transactions reporting my private accounts activities. Furthermore, any further reporting of account history or attempts to collect information will be considered a breach of federal law, court orders, and agreement terms. Please provide written acknowledgment of the compensation demand, confirmation of ceasing any account reporting days upon receipt. Failure to comply within the stipulated timeframe will necessitate pursuing all available legal remedies to seek redress for the infringements upon my privacy rights as outlined in federal law and the court orders. I anticipate your immediate attention and compliance with these demands. SUBCHAPTER IDISCLOSURE OF NONPUBLIC PERSONAL INFORMATION 6801. Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic per- sonal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to ad- ministrative, technical, and physical safe- guards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. ( a ) Notice requirements Except as otherwise provided in this sub- chapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

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