Consumer complaint received 2024-01-22 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:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, and partiality, and a respect for the consumers right to privacy. XXXX, Experian, and XXXX are consumer reporting agencies and I am a federally protected consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states : 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 prevent the security and confidentiality of those customers non-public personal information. The following companies are financial institutions by definition under that title 15 USC 1681 section 604 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 in no other : in accordance with the written instructions of the consumer to whom it relates. These companies the XXXX XXXX and the 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 and this company whether it be verbal, nonverbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that : A financial institution may not disclose public non-public personal information to a non-affiliated third party unless the consumer is given an exclamation of how the consumer can exercise that non-disclosure option. These companies never informed me of my right to exercise my non-disclosure 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 of convictions of crimes which antedates the report by more than seven years. These accounts are adverse items that they are reporting again without my permission which is against the law. 15 USC 1681 s 2 ( A ) ( 1 ) 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 procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian, and 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 immediately and indefinitely. Each company is required to report accurate information. Furthermore, before an account can be reported the credit reporting agencies needs written consent from the consumer in which it relates. None of the reporting agencies have any documentation that bears my wet ink signature which gives them the consent to report this account. Each month the reporting agencies are to send an opt out notice to the consumer giving them the right to opt out of certain information being reported. I have received no such request from the reporting agencies. SAID company is liable under the SEC to follow certain rules. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than { { {$100.00} } } and not more than { { {$1000.00} } } ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { { {$1000.00} } }, whichever is greater. I demand that the following inquiries be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXXXX/XX/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