Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
In accordance with Gramm Leach Bliley Act- Section 503, 15 U.S.C 6803. The accounts [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] has violated my federal protected consumer rights to privacy and confidentiality. The XXXX XXXX XXXX act states " Requires financial institutions to disclose to customers their privacy notices explaining how their personal information is collected, shared, and protected ''. I never received that disclosure in writing or verbally and my information was sent to XXXX XXXX XXXX " a non affiliated third party creditor '' without my approval. 

According to XXXXramm Leach Bliley Act Excerpt : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institution 's policies and practices with respect to- ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers In accordance with 15 U.S Code 6802 ( a ) Notice Requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic 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 nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic 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 disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 


I have asked for disclosures and XXXX XXXX XXXX sent a copy of the contract and other documents. The contract does not present any writing stating that they can give over my nonpublic information. XXXX XXXX  XXXX XXXX did and knowingly sent my driver 's license without my consent and did not protect my nonpublic information to the third-party company XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX did not give me an option to opt out or anything in that nature. XXXX XXXX XXXX then sent a copy of my driver 's license and other documents on XX/XX/year> through regular mail and it was not certified. Please remove these items off of my credit. I have the documents that were sent to me through mail to prove my complaint. 

Thank you

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