Consumer complaint received 2024-10-01 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: GA

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, Section 602 ( a ) states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Experian, and XXXX are consumer reporting agencies, and as a consumer, I have the right to ensure that my private information is not shared. This right is further supported by 15 USC 6801, which states, 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 furnishers of information to credit agencies are considered financial institutions under this title.

According to 15 USC 1681, Section 604 ( a ) ( 2 ), 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. I, as the consumer, have not given XXXX, Experian, XXXX, or any furnisher of information to credit agencies my consent to furnish this information, nor have I provided written consent. Any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise, are hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) specifies, 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. At no point have I been informed by the furnishers of information to credit agencies about my right to exercise this nondisclosure option. Additionally, 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 any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account, being an adverse item, is being reported without my permission, which is in violation of the law. 

According to 15 USC 1681s2 ( A ) ( 1 ) ( A ), 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. Furthermore, 15 USC 1681e requires that 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 to uphold these standards. 

Finally, under 12 CFR 1016.7, A consumer may exercise the right to opt out at any time. I am hereby 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