Consumer complaint received 2025-03-23 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: FL

Complaint narrative:
Transunion, Equifax and Experian have continued to violate and ignore the FCRA and the CFR codes relating to my PRIVACY AND IDENTITY THEFT NOTICES. I find their behavioral reporting practices to be damaging and blatant disregard of the USC Codes and laws... Upon checking their data breach websites, I was found to have been a victim by all three reporting agencies of my information being BREACHED! According to the FCRA 15 USC 1681 section 602a states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax, Transunion, and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isnt shared, which is backed by 15 USC 6801, which states It is the policy of the Congress that each financial institution has affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX ) is a financial institution by definition under that title and 15 USC 1681 section 604a 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. ( XXXX XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX and XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX - acct # XXXX ) the financial institution and the consumer reporting agencies Equifax, Transunion , and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, Transunion and Experian ( XXXX XXXX XXXX - acct # XXXX, XXXX XXXX - acct # XXXX, XXXX XXXX acct # XXXX and XXXX and XXXX XXXX acct # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX acct # XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. Also, 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless -- -- - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. ( XXXX XXXX account # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX -acct # XXXX and XXXX and XXXX XXXX - acct # XXXX, XXXX XXXX XXXX XXXX XXXX - acct # XXXX ) 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 7 years. These accounts are an adverse item that they are reporting continuously without my permission, which is against the law. 15 US Code subsection 1681s-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 US Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681e of this title and to limit the furnishings of consumer reports to the purpose ( s ) listed under section 1681b of this title. Equifax, Transunion and Experian are not maintaining reasonable practices and/or procedures. Also, 12 CFR subsection 1016.7 states that A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

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