Consumer complaint received 2023-12-29 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:
Upon review of my consumer report according to the Fair Credit Reporting Act 15 USC 1681 Section 602 states, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
XXXX, Experian, XXXX are all consumer reporting agencies and I am the Consumer.

I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states It is policy of the 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 information. 
The following financial institutions ; ACCOUNT NAME XXXX  XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX ; A financial institution by definition under that title 15 USC 1681 Section 604a Section 2 states In general 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. 
These companies listed above, and Experian, XXXX, and XXXX do not have my consent to furnish this information and the surely do not have my written consent. Any and all consent XXXX, Experian, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 
15 USC 6802 ( b ) ( c ) states 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.

These companies listed above never informed me of my right to exercise my nondisclosure option.

15 USC 1681 C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agencies 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. These accounts are adverse items they are reporting again without my permission which is against the law.

15 USC 1681 2 ( a ) ( 1 ) states 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. 15 USC 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. 
XXXX, Experian, XXXX and these companies listed above are not maintain reasonable procedures. Also 12 CFR 1016.7 states A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. I also request that the inaccurate information be updated immediately. I also request that an updated report be made available to or mailed to the address attached.

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