Consumer complaint received 2024-01-07 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: CA

Complaint narrative:
Per the Fair Credit Reporting Act 15 USC 1681 Section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies, and I am the 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. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) are financial institutions by definition under this title. 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. '' The following financial institutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) and the Consumer reporting agencies : XXXX, Experian, and XXXX do not have my consent to furnish this information and they do not have my written consent. Any and all consent to XXXX, Experian, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise I the consumer, XXXX XXXX XXXX XXXX am revoking immediately and indefinitely per 15 USC 6802 which 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. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( 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 1681e 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. XXXX, Experian, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 ( h ) states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting. 12 CFR 1016.7 ( g ) state that You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. This letter constitutes receipt of my consumer opt out and you must comply. Furthermore per 12 CFR 1016.7 ( i ) ( 1 ) states A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. Again, I am opting out of your reporting effective immediately and indefinitely. According to 15 U.S. Code 1681n, willful noncompliance with the FCRA results in significant civil liabilities. Willful violations can entail compensation of at least { {$1000.00} } per violation, in addition to any damages incurred due to noncompliance with the law. Continued violations after the initial complaint clearly demonstrate awareness of wrongdoing and disregard for consumer rights. Furthermore, under 15 U.S. Code 1681o, negligent noncompliance also leads to liabilities for any damages resulting from the failure to comply. Please rectify these inaccuracies in my consumer report, failing which, legal action will be pursued to ensure compliance with the FCRA and to obtain justice and compensation as entitled under these laws services. According to 15 U.S. Code 1681n, willful noncompliance with the FCRA results in significant civil liabilities. Willful violations can entail compensation of at least { {$1000.00} } per violation, in addition to any damages incurred due to noncompliance with the law. Continued violations after the initial complaint clearly demonstrate awareness of wrongdoing and disregard for consumer rights. Furthermore, under 15 U.S. Code 1681o, negligent noncompliance also leads to liabilities for any damages resulting from the failure to comply. Please rectify these inaccuracies in my consumer report, failing which, legal action will be pursued to ensure compliance with the FCRA and to obtain justice and compensation as entitled under these laws.

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