Consumer complaint received 2024-09-01 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: NJ

Complaint narrative:
According to ( 15 USC 1681 ) the Fair Credit Reporting Act section 602 ( a ) 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, XXXX and Experian are consumer reporting agencies ( CRAs ) and I am the Consumer. I have the right ensure my private information isn't shared. - 15 USC 1681a ( 2 ) ( A ) ( i ) defines what is included in a consumer report and states ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

XXXX XXXX, XXXX XXXX and the consumer reporting agencies are violating my federally protected consumer rights, in violation of the Fair Credit Reporting Act ( FCRA ) and The Privacy Act. They are reporting nonpublic personal information which is solely related to specific transactions and experiences My consumer report should not contain usage information regarding how much money I have transacted on my credit cards. This is nonpublic personal information related to specific transactions and experiences between me as the consumer and the financial institution. This information has nothing to do with Credit worthiness or credit standing. 
15 USC 6801 states " It is the 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 personal information. '' 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. '' By this definition, the consumer reporting agencies are nonaffiliated third parties who do not have my permission to report this sensitive personal information. I never gave the financial institutions listed below written authorization to report information regarding my transactions and experiences and furthermore they have never given me a notice of my right to exercise my right to opt out. Any authorization which the CRAs presume that I have given them whether verbal, written, implied or otherwise is hereby revoked. 
As a federally protected consumer and private citizen, I exercise my right to opt out of the reporting of my Credit Usage information related to specific experiences and transactions which is nonpublic personal information regarding the percentage of the credit limit I am using. 

Pursuant to the 15 U.S.C. 6802 ( b ) ( Fair Credit Report Act ) and The Privacy Act, I am exercising my right to opt-out of the authorization for the reporting of information regarding the specific transactions and experiences of credit limit usage. The consumer reporting agencies do not have my permission to report credit limit usage for the following accounts : Capital XXXXXXXX XXXX XXXX Acct # XXXX ; XXXX XXXX XXXX XXXX Acct # XXXX ; XXXX XXXXXXXX XXXX Account # 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