Consumer complaint received 2024-07-14 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: AL

Complaint narrative:
Greetings sir/madam, In this complaint at hand the term, CREDITORS, Shall include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. According to 15 USC 6801 says 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 information ''. CREDITORS are financial institutions by definition under that title. 15 USC 1681a, ( 2 ) Exclusions : ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. 15 USC 1681b Permissible purposes of consumer reports, I the consumer never gave written consent nor instructions to any of the CREDITORS to surrender my nonpublic personal information to any credit agency. Also the CREDITORS never received written instructions containing my consent to furnish anything on my credit report which is a violation of the Fair Credit Reporting Act. 15 USC 1681 section 604 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. CREDITORS never received written consent nor verbal consent to furnish any nonpublic personal information to nonaffiliated third parties which XXXX, XXXX, EXPERIAN, XXXXXXXX XXXX XXXX XXXXetc fall under. Any and all consent to CREDITORS rather it verbal, written, or unwritten is hereby revoked until further notice in writing by the consumer. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I am stating I haver never received the option nor giving a way to exercise my right to opt out and hereby now doing so. 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. 1016.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

16 CFR 313.7 ; I hereby opt out the CREDITORS reporting to the ANY nonaffiliate third parties at ANY TIME. The above description is a violation of the Privacy Act of XXXX. Thanks for your time.

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