Consumer complaint received 2025-08-11 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: TN

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax, Experian and TransUnion are consumer reporting agencies and I XXXX XXXX XXXX am the Consumer. I have the right to make sure my private information isn't shared without my written consent 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 protect the security and confidentiality of those customers nonpublic personal information.

Furnisher of information to credit agencies 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 no other : in accordance with the written instructions of the consumer to whom it relates. 
XXXX : XXXXXXXX XXXX  Transunion : XXXXXXXX XXXX  / XXXX XXXX XXXX-Equifax : XXXXXXXX XXXX Experian : XXXXXXXX XXXX Transunion : XXXXXXXX XXXX  / XXXX XXXX XXXXXXXX XXXX - Equifax : XXXXXXXX XXXX XXXXXXXX XXXX  Transunion XXXX XXXXXXXX XXXX Family Educational Rights and Privacy ACT XXXX XXXX Equifax : XXXXXXXX XXXX Experian : XXXXXXXX XXXX  XXXX XXXX  XXXX : XXXXXXXX XXXX These financial institutions and Consumer reporting agencies Equifax XXXX Experian and TransUnion do not have my consent to furnish this information and they surely do not have my written consent to damage my Federally protected identity on paper. Any and all consent to Equifax, Experian and TransUnion whether it be verbal, non-verbal, written, implied or otherwise is revoked. 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. '' These unauthorized companies never informed me of my right to exercise my nondisclosure 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 non of which I have or have i ever been involved in. '' These account 's are adverse items they are reporting again without my permission which has damaged my commercial reputation in violation of the FCRA, FDCPA, TILA & FACTA.

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