Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please delete and remove all late payments. You are violated my rights and breaking the law. if you do not remove all missed or late payments. Litigation lawyer will be my next step. I have spoke with an attorney and he is willing to advise if I can not get resolved by you following the law. 15 U.S.C. 6802 is a section of the United States Code that deals with privacy protections under the Gramm-Leach-Bliley Act ( GLBA ). This section specifically addresses the obligations of financial institutions to respect the privacy of their customers ' nonpublic personal information ( NPI ). Here are the key points of 15 U.S.C. 6802 : 1. **Notice Requirements** : Financial institutions must provide clear and conspicuous notices to their customers about their privacy policies and practices. This notice must be given at the time of establishing a customer relationship and annually thereafter. I received no clear and suspicious notice about your privacy policy. You indicated that you send a letter to my home 1 month later with a welcoming letter indicating such. You did not send nor did I receive any letter. According to the law I was to be presented with this information at the time of the sale and annually. None of this occurred. 

XXXX. **Opt-Out Right** : Customers must be given the opportunity to opt out of having their NPI shared with nonaffiliated third parties. This means that before a financial institution can share NPI with nonaffiliated third parties, they must provide customers with a way to opt out of this sharing. I told sales person at the time of purchase that I do not want my business transactions sent to a third party ( agencies ).

3. **Exceptions** : There are several exceptions to the opt-out requirement. For example, financial institutions can share NPI without providing an opt-out option for purposes such as : - Processing and servicing transactions requested or authorized by the consumer.

- Maintaining or servicing the customer 's account. I did not authorize for my servicing transactions to be sent to any third party. 
- Complying with legal requirements. 
- Preventing fraud and unauthorized transactions. 

4. **Disclosure of Privacy Policy** : Financial institutions must disclose their privacy policies and practices regarding the sharing of NPI with both affiliates and nonaffiliated third parties. This includes categories of information collected, categories of information disclosed, and categories of third parties with whom information is shared. I did not authorize for my servicing transactions to be sent to any third party.

5. **Compliance and Enforcement** : The Federal Trade Commission ( FTC ) and other federal regulatory agencies are responsible for enforcing compliance with these privacy protections. Financial institutions that fail to comply with the requirements can be subject to penalties and enforcement actions. You have failed to comply with the requirements and laws that protect clients from bullies like you. I request that the missed payments are deleted and removed immediately.

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