Consumer complaint received 2024-01-22 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: FL

Complaint narrative:
After much research a review, according to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) acknowledges that " There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers ' right to privacy. '' It is with much regret that I inform you that Experian is in fact a consumer reporting agency and I am in fact the Consumer. I have the right to make sure my private information is not shared. This is accompanied by law 15 USC 6801 which informs " It is the policy of 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. '' Allow me to give some insight please, Furnisher of information to credit agencies is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) 2 also informs that " In general Subject to the 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. '' Furnisher of information to credit agencies the financial institution and the Consumer reporting agency Experian DO NOT HAVE MY CONSENT to furnish this information and they certainly DO NOT HAVE MY WRITTEN CONSENT. Any and all consent to Experian who is in fact the Furnisher of information to credit agencies whether it be verbal, non-verbal, written, implied or otherwise is REVOKED!

15 USC 6802 ( b ) ( c ) states indicates that " A financial institution may NOT disclose non pulic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Furnisher of information to credit agencies NEVER, in fact, EVER informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) indicates that, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following information ; ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIMES WHICH HINDERS THE REPORT BY MORE THAN SEVEN YEARS. '' These accounts are in fact an adverse item which is reporting again without my permission, and this is against THE LAW.

15 USC 1681s-2 ( a ) ( 1 ) says, " 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 truly believe that the information is inaccurate. 15 USC Code 1681e also says, " Every consumer reporting agency shall not maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. '' Experian is NOT maintaining reasonable procedures.

Lastly, 12 CFR 1016.7 indicates that " A consumer may exercise the right to opt out at anytime. '' I, THE CONSUMER, AM IN FACT 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