Consumer complaint received 2024-12-10 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: WI

Complaint narrative:
I am demanding proof of description of reinvestigation procedures for ; XXXX XXXX XXXX account # XXXX date XXXX, past date XX/XX/year> for 30 day and XX/XX/year> for 60 days,15 usc 1681i ( a ) ( 5 ) ( A ) Treatment Of inaccurate or unverifiable information, If after any reinvestigation under paragraph 1 of any information, dispute it by a consumer and item of information should be found to be inaccurate or incomplete or can not be verified.The consumer report an agency shell ( i ) Properly delete that item of information from the file of the consumer or modify the item of information as appropriate based on the result of the reinvestigation and ( ii ) Promptly notified the furniture of the information that the information has been modified or deleted from the file of the consumer.

According to 15 usc 1681i ( a ) ( 7 ) Description of reinvestigation procedures, A consumer reporting agency shall provide to a consumer A description referred to in paragraph ( 6 ) ( B ) ( iii ) By no later than 15 days after receiving a request from the consumer for that description.

Late Payments : They are transactions that are reported to the consumer report from the financial institution in which the financial institution gives that information to the consumer reporting agencies. That ( late payments ) transaction is personal information. 
15 usc 1681a ( 2 ) Exclusions! Except as provided in paragraph 3, the term " consumer report '' does not include- ( A ) subject to section 1681s- 3 of this title, Any reporting containing information solely as to transactions or experience between the consumer and the person making the report. Transactions include payment history! because this is my personal information!

Transactions and my personal experience on my consumer report are " Non Public Personal Information, '' and the financial institution was supposed to keep these transactions confidential unless I gave them permission to pass the information to a third party company, in which was violated. 
15 usc 6809 Protection of non public personal information! ( a ) Privacy obligation policy. 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 consumers, not public information. My transactions ( late payment ) should not be in the hands of 3rd party consumer report agencies. There should be a signed form of disclosure, from me stating that it's OK to pass my information.

According to 15 usc 6802 Obligations with respect to disclosure of personal information ( a ) Notice requirements except as otherwise provided in this subChapter, a financial institution may not directly or through any affiliate. Disclose to any non infiliated third party. Any non public personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) opt out ( 1 ) In general a financial institution may not disclose non public personal information to a nine affiliated third party unless ( A ) Such financial institution clearly and conspicuously discloses to the consumer and writing or a electric form or other form permitted by the regulations prescribed under section 6804 of this title.That such information may be disclosed to such third party ( b ) The consumer is given the opportunity before the time that Such information is initially third party. Please provide the financial disclosure form on file as proof. If no initial disclosure forms are provided to me, update the above account to be paid in full, paid on time, and never late. This information should have been used in the initial determining of accurate reporting. Please update within 15 days of receiving this notice.

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