Consumer complaint received 2025-01-21 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 delete the following information in my consumer credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft Affidavit. Please delete the items as soon as possible. 
According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Section 602 ( a ), there is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for consumers rights to privacy. Both XXXX and Experian are consumer reporting agencies, and as a consumer, I have the right to ensure my private information is not shared.

Under 15 U.S.C. 6801, Congress has established that financial institutions have an ongoing obligation to respect their customers privacy and protect the confidentiality of their nonpublic personal information. Furthermore, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) clearly states that a consumer reporting agency may only furnish a consumer report with the written consent of the consumer to whom the information relates. Neither XXXX nor Experian, nor the furnisher of information to these agencies, have my written consent to report or share my information. Any prior consent, whether verbal, written, implied, or otherwise, is revoked.

Additionally, 15 U.S.C. 6802 ( b ) ( c ) mandates that financial institutions must inform consumers of their right to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties. I was never informed of this right by the furnisher of information.

The reporting of this adverse account violates 15 U.S.C. 1681c ( a ) ( 5 ), which prohibits the inclusion of adverse items of information in consumer reports that are over seven years old ( excluding criminal convictions ).

Under 15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Moreover, XXXX XXXX. XXXX requires consumer reporting agencies to maintain reasonable procedures to ensure compliance with these laws and limit the furnishing of consumer reports to authorized purposes. XXXX and Experian have failed to maintain such procedures. 
Finally, per 12 CFR 1016.7, consumers have the right to opt out of sharing their information at any time. I am exercising my right to opt out of your reporting services immediately. 
Remove all un-mailable addresses that is currently on my credit file, all employment information and fraudulent inquiries immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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