Consumer complaint received 2024-08-27 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:
Im the victim of identity theft. Ive submitted an FTC affidavit and the Consumer reporting agencies ( CRAs ) refused to remove the fraudulent accounts. I have no knowledge of the accounts and requested the CRA provide me with information regarding their decision. The credit reporting agencies are violating my consumer rights. I also instructed each of these companies listed below that I exercise my right to opt-out of my nonpublic personal information being reported and they have failed to cease and desist reporting this information.- According to ( 15 USC 1681 ) the Fair Credit Reporting Act 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. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right ensure my private information isn't shared. Im the victim of identity theft and have reported this to ALL 3 consumer reporting agencies who have refused to remove these accounts and/or provide me with any details regarding their decisions.- 15 USC 6801 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. '' XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  are all financial institutions by definition under that title. 15 USC 1681 ( FCRA 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 WHICH IT RELATES. " - The aforementioned financial institutions and the Consumer reporting agencies do not have my consent to furnish this specific information and the CRAs surely do not have my written consent to report the my any non personal public information being furnished by XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX.- Any and all consent to XXXX, XXXX and Experian, regarding reporting information furnished by XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX  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. '' XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX  have 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. '' These accounts are adverse items reporting without my permission which is against the law.- 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) 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 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures.

12 CFR 1016.7 states that " A CONSUMER MAY EXERCISE THE RIGHT TO OPT OUT AT ANY TIME. " - I have given these companies notice of opting-out of the reporting of my nonpublic personal information and they have refused to follow my explicit instructions.

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