Consumer complaint received 2025-03-21 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: PA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 it states : " There is a need to insure that consumer reporting agencies exercise their responsibilities lawfully, with fairness, and respect for all consumers right to privacy. Equifax, Experian and Transunion are all consumer reporting agencies and I am a Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which 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. '' Experian, Equifax and Transunion are consumer reporting agencies. 15 USC 1681 section 604 a 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 whom it relates. '' Consumer reporting agencies including, Equifax, Experian and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, Experian and Transunion, 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. '' Experian, Equifax and Transunion 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. There is Discharged chapter 7 bankruptcy listed on my credit report, which the bureaus claimed that the courts shared the information with them when I ask for verification. I have spoken with the court directly and they mailed me a letter stating that they didnt share my information with Equifax , Transunion or Experian. There are also closed accounts reporting on my account that are tied to the bankruptcy. Closed accounts records must comply with 12 CFR 1006,34 ( d ) and 15 USC 1681-S297a. I have never given my permission to show this information report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) These unlawful practices, violations and defamation of my character have significantly harmed my ability to obtain loans, housing, and other necessary financial resources to support my family. These accounts are adverse items they are reporting without my permission which is against the law. 15 U.S. Code 1681s-2 ( 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 168le 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. '' Equifax, Experian and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of reporting 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