Consumer complaint received 2024-01-16 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: CA

Complaint narrative:
I have an XXXX XXXX XXXX  and XXXX XXXX XXXX credit card which are through XXXX XXXX XXXX. 

This is a formal complaint against XXXX XXXX Bank for their violation of my rights under 15 USC 6802, 15 USC 1681, 12 CFR 1016.7, and the Privacy Act of 1974. I believe that the bank has unlawfully shared my personal information without my explicit consent, and this action is a clear breach of the aforementioned statutes. 

Details of the Violation : Unauthorized Sharing of Information : I recently discovered that XXXX XXXX Bank has shared my personal information without my explicit consent. This sharing of information has serious implications for my privacy and may have repercussions on my financial well-being.

Violation of 15 USC 6802 : The bank 's actions are in direct violation of 15 USC 6802, which prohibits the unauthorized disclosure of nonpublic personal information by financial institutions. XXXX XXXX Bank falls under the category of a financial institution, and the unauthorized sharing of my information is a clear violation of this statute. 
Violation of 15 USC 1681 : Additionally, I believe that XXXX XXXX Bank has violated 15 USC 1681, the Fair Credit Reporting Act ( FCRA ). This statute outlines the responsibilities of credit reporting agencies and ensures the accuracy and privacy of consumer information. The unauthorized sharing of my information compromises the integrity of this system. 

Violation of 12 CFR 1016.7 : XXXX XXXX Bank is also in violation of 12 CFR 1016.7, which establishes certain limitations on the disclosure of nonpublic personal information by financial institutions. The bank 's unauthorized sharing of my information goes against the provisions outlined in this regulation. 
Violation of the Privacy Act of 1974 : The Privacy Act of 1974 mandates the protection of personal information held by federal agencies. While XXXX XXXX Bank may not be a federal agency, the act 's principles are crucial in ensuring the security and privacy of individuals ' data. The unauthorized sharing of my information constitutes a violation of the Privacy Act 's core principles. 

Furthermore, I want to highlight that Experian, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, and other nonaffiliated third parties have received my personal information without my approval. I did not consent to the sharing of my information with these entities, and their involvement exacerbates the breach of my privacy. 

I request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action against XXXX XXXX XXXX. I also request that the agency informs me of the findings of the investigation and any steps taken to rectify the situation. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary actions to uphold consumer rights and protect against such privacy violations.

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