Consumer complaint received 2024-01-28 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:
Violations of Fair Credit Reporting Act and Privacy Laws I am making this complaint to the CFPB because you are the government entity that is supposed to make these institutions follow the law. well they are not following the law by any means. I ask that you do the job that you were created to do and protect us consumers from these Institutions. and make them answer for their indiscretions. 


I, XXXX XXXX, the undersigned, am writing to bring to your attention the egregious violations of my rights as a consumer by the consumer reporting agencies XXXX, Experian and XXXX, hereinafter referred to as the " Agencies, '' and XXXX, XXXX, XXXX, XXXX, XXXX, XXXX hereinafter referred to as the " Financial Institutions. '' The violations pertain to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, and related privacy laws.

I. FCRA Section 602 ( a ) - Responsibilities of Consumer Reporting Agencies According to 15 USC 1681 section 602 ( a ), it is mandated that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. The Agencies, have failed to adhere to these obligations.

II. FCRA Section 6801 - Privacy Policy of Financial Institutions Pursuant to 15 USC 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers. The Financial Institutions, as furnishers of information to credit agencies, falls under this definition. The failure to protect the security and confidentiality of my nonpublic personal information is a clear violation.

III. FCRA Section 604 ( a ) ( 2 ) - Furnishing Consumer Reports Only with Consumer Consent Under 15 USC 1681 section 604 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. The Financial Institutions and the Consumer Reporting Agencies lack my explicit written consent to furnish my information.

IV. FCRA Section 6802 ( b ) ( c ) - Nondisclosure Option According to 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed of their right to exercise the nondisclosure option. The Financial Institutions failed to provide such information, violating my rights.

V. FCRA Section 1681C ( a ) ( 5 ) - Limitations on Information in Consumer Reports Pursuant to 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include adverse information that antedates the report by more than seven years. The reporting of adverse information without my permission is a blatant violation.

VI. FCRA Section 1681s-2 ( A ) ( 1 ) - Furnishing Inaccurate Information Under 15 U.S. Code 1681s-2 ( A ) ( 1 ), a person shall not furnish any information to a consumer reporting agency if they know or have reasonable cause to believe it is inaccurate. The Agencies failed to ensure the accuracy of the information they reported.

1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. The following personal information is incorrect Account Number : LEGAL DOCUMENT PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, UT XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, UT XXXX 4. Identity Theft XXXX Account Number : XXXX I have included an FTC Report REMOVE/DELETE and BLOCK from my Credit Report per 15 us code 1681 c-2 5. XXXX Account Number : XXXX I have included an FTC Report REMOVE/DELETE and BLOCK from my Credit Report per 15 us code 1681 c-2 VII. FCRA Section 1681e - Maintenance of Reasonable Procedures Pursuant to 15 U.S. Code 1681e, every consumer reporting agency must maintain reasonable procedures to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purposes listeds under section 1681b of this title The " Agencies '' and " Financial Institutions '' have neglected to uphold these standards.

VIII. 12 CFR 1016.7 - Right to Opt Out As per 12 CFR 1016.7, a consumer may exercise the right to opt out at any time. I am hereby opting out of the reporting services provided by the " agencies '' and the Financial Instituions '' who clearly violated my rights when they failed to inform me of my right to exercise the nondisclosure option.

In light of these flagrant violations, I demand immediate rectification of the inaccuracies and cessation of unauthorized reporting. Failure to comply may result in legal action to protect my rights as a consumer.

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