Consumer complaint received 2024-05-10 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: MI

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602a state " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. '' XXXX and Experian are consumer reporting agencies and I'm indeed the consumer. I have the right to ensure that my private information isn't shared or breached which is backed by 15 USC 6801which further 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 the customers nonpublic personal information. '' XXXX XXXX by definition under that title. 15 USC 1681 Section 604a sec 2 states " 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 the financial institution and the Consumer Reporting Agencies XXXX and Experian do not have my consent to furnish this information and they do NOT have my written consent either. Any and all consent to XXXX and Experian, XXXX XXXX whether it be verbal, non- verbal, written, implied, or otherwise revoked. 15 USC 166802 ( 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 the nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. To add 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 in which antedates the report by more than seven years. '' This account is an adverse item that they are reporting again without my permission which is against the law, 15 U.S. Code statute 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 e states " Every consumer reporting agency shall maintain reasonable 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 and Experian are not maintaining reasonable procedures. Also, 12CFR statute 1016.7 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