Consumer complaint received 2024-05-31 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:
According to the Fair Credit Reporting Act 15 USC 1681 section XXXX ( a ) 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. XXXX, Experian, and XXXX 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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is a financial institution by definition under title 15 USC 1681 section 4 ( a ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX the financial institution and the consumer reporting agencies : XXXX, XXXX, and Experian do not have my consent to furnish this information and they surely dont have my written consent. Any and all consent to XXXX, XXXX, and Experian ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. In addition, 15 USC 1681 C ( a ) ( XXXX ) 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 XXXX years. ( XXXX XXXX ) This account is an adverse item they are reporting without my permission which is against the law. 15 USC Code 1681s-2 ( a ) ( XXXX ) 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. ( Experian, XXXX, and XXXX ) has been notified of my one and only correct address. 15 USC 1681 ( c ) states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX c of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX ( b ) of this title. XXXX, Experian, and XXXX are not maintaining reasonable procedures. Likewise, XXXX CFR XXXX 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