Consumer complaint received 2025-06-16 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: NY

Complaint narrative:
I am writing to formally dispute the handling of my private information by Equifax, Experian and TransUnion, as well as the financial institution furnishing information to these consumer reporting agencies. According to the Fair Credit Reporting Act ( FCRA ) and other relevant federal statutes, the actions taken by these entities are in direct violation of my rights as a consumer.

According to the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Equifax and Experian, as consumer reporting agencies, have failed to uphold these principles by sharing my private information without my consent. 
Furthermore, 15 USC 6801 states that 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. The financial institution furnishing information to credit agencies is a financial institution by definition under this title. 
Under 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only with the written instructions of the consumer to whom it relates. I have not provided such consent to Equifax, Experian, TransUnion or any financial institution furnishing information to these agencies. Any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

Additionally, 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. I was never informed of this right, which is a clear violation of the law.

15 USC 1681C ( a ) ( 5 ) states that no consumer reporting agency may include adverse information in a consumer report if it is more than seven years old, except for records of convictions of crimes. The adverse item being reported by Equifax, Experian and TransUnion is outdated and reported without my permission, which is against the law.

Under 15 USC 1681s-2 ( A ) ( I ) ( A ), a person must not furnish information to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate. Equifax, Experian and TransUnion are not maintaining reasonable procedures to ensure the accuracy of the information they report.

According to 12 CFR 1016.7, a consumer may exercise the right to opt-out of information sharing at any time. I am exercising this right and opting out of your reporting services.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

I demand that all adverse information be removed from my credit report and that my privacy rights be respected moving forward. Please confirm in writing that you have complied with my request.

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