Consumer complaint received 2024-02-10 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: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received an alert on my phone from my credit monitoring service that a major derogatory account has been detected on my Experian and XXXX XXXX reports by XXXX XXXX XXXX ( a bulk debt buyer ) on XX/XX/year>. According to the law, a debt collector must follow certain criteria before furnishing an alleged debt on a consumers consumer report or face penalties or legal action for its deliberate consumer rights violations. 

Under the 15 US Code, my rights to privacy have been violated, which is protected by law. 15 U.S. Code 6801 states as law that my personal information be protected and remain confidential by the institution involved, and If violated, there are grounds for legal action against all parties involved, including XXXX XXXX XXXX. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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 According to this section of the law, XXXX XXXX XXXX has violated my consumer rights ; they did not follow any of these requirements before furnishing my private information to the CRAs, and it should not be on any of my consumer reports, including XXXX, Experian, and XXXX, and must be deleted immediately. 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Cease and desist all communication from this debt collector. XXXX and Experian shall also begin an independent investigation on this account to ensure that it is 100 % accurate, complete, and fair, according to FCRA. or delete it from my consumer report!

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