Consumer complaint received 2024-05-20 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), specifically delineated within 15 USC 1681 section 602 ( a ), it is unequivocally established that consumer reporting agencies are bound to discharge their onerous duties with a strict adherence to principles of fairness, impartiality, and an unwavering reverence for the sanctity of consumers ' privacy rights. Notably, XXXX, Experian and XXXX stand as quintessential exemplars of such agencies.please remove the following. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a diligent steward of my own privacy rights, as enshrined within the purview of 15 USC 6801, it is incumbent upon me to ensure that my confidential information remains safeguarded from unwarranted dissemination. This obligation extends to any entity classified as a financial institution, such as the entity responsible for furnishing information to credit agencies ( henceforth referred to as " ( Furnisher of information to credit agencies ) '' ).

Section 604 ( a ) ( 2 ) of 15 USC 1681 unequivocally underscores that the furnishing of consumer reports must be conducted solely in strict adherence to the express written directives of the concerned consumer. Herein lies the crux of the matter : neither the financial institution, nor the consumer reporting agencies, XXXX, Experian and XXXX possess the requisite consentneither written nor impliedto furnish my information.

Further fortifying my position, 15 USC 6802 ( b ) ( c ) mandates that financial institutions are duty-bound to elucidate to consumers their right to exercise the option of nondisclosure. Regrettably, no such explanation was tendered to me by ( Furnisher of information to credit agencies ), thus flagrantly contravening statutory provisions.

Moreover, the inclusion of adverse information in consumer reports sans requisite authorization is expressly prohibited by 15 USC 1681C ( a ) ( 5 ), thereby rendering the actions of the aforementioned agencies patently unlawful.

Per 15 U.S. Code 1681s2 ( A ) ( 1 ) A, any entity furnishing information to consumer reporting agencies is categorically
prohibited from doing so if cognizant of its inaccuracy. XXXX, Experian and XXXX persistence in furnishing such dubious information egregiously flouts this provision.

Furthermore, pursuant to 15 U.S. Code 1681e, it is imperative for consumer reporting agencies to maintain robust protocols aimed at forestalling violations of statutory provisions, a requirement that XXXX, Experian and XXXX flagrantly disregard.

Lastly, 12 CFR 1016.7 expressly affords consumers the unassailable right to opt out of reporting services at their discretionan option I am unequivocally availing myself of forthwith.

In summation, it is abundantly clear that XXXX, Experian, and XXXX ( Furnisher of information to credit agencies ) have transgressed a litany of statutory provisions under the FCRA, thereby necessitating immediate rectification of their actions and a cessation of any further violations forthwith.

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