Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
**AFFIDAVIT OF TRUTH** **I, XXXX XXXX XXXX XXXX **Subject of the Affidavit**- This affidavit pertains to the failure of the credit bureaus to comply with opt-out notice requirements as stipulated under 1016.7, in relation to nonpublic personal information disclosures by the following financial institutions : Capital XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX. 

XXXX. XXXX - XXXX XX/XX/year> and XX/XX/year> I sent opt-out letters to the aforementioned financial institutions in accordance with 1016.7 of the Code of Federal Regulations. 
- These letters were intended to exercise my right to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties. As Talk about in Cfpb Complaints ids XXXX XXXX XXXX XXXX. **Non-Compliance by Financial Institutions** - The financial institutions mentioned above did not comply with the requirements of 1016.7, which mandates providing a clear and conspicuous opt-out notice that includes : 1. A statement disclosing the right to opt out.

2. The categories of nonpublic personal information subject to disclosure.

3. The categories of nonaffiliated third parties to whom the information may be disclosed.

4. A reasonable means for the consumer to exercise the opt-out right.

- Specifically, these institutions failed to : 1. Provide adequate opt-out notices identifying all relevant categories of information and third parties.

2. Offer reasonable means to exercise the opt-out right, such as check-off boxes, reply forms, electronic means, or toll-free telephone numbers.

5. **Violation of Opt-Out Requirements** - By not providing the required opt-out notices and reasonable means to exercise the opt-out right, these financial institutions have violated the requirements set forth under 1016.7.

- Examples of non-compliance include : 1. Failure to identify categories of nonpublic personal information and nonaffiliated third parties.

2. Failure to provide reasonable means for consumers to opt out other than requiring consumers to write their own letters.

6. **Consequences of Non-Compliance** - As a result of these violations, my nonpublic personal information remains at risk of being disclosed to nonaffiliated third parties without my consent.

- This non-compliance has caused me significant concern regarding the privacy and security of my personal information.

7. **Request for Action** - I respectfully request that the credit bureaus take immediate action to ensure that the financial institutions comply with the opt-out notice requirements as mandated by 1016.7.

- This includes providing clear and conspicuous opt-out notices and reasonable means for consumers to exercise their opt-out rights.

Companies never Gave me Disclosure and opportunity to disclose which is a major violation to my consumer rights and is Fraudulent and deceptive buisness practices And Credit bureaus are upholding such in there wrong Which is a aid to fraudulent practices Remove all accounts XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  XXXX Account number XXXX **I declare under penalty of perjury that the foregoing is true and correct. **

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