Consumer complaint received 2024-02-26 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:
Notice to Agent is notice to principal notice to principal is notice to agent. 

This is the final and last time I am notifying you of excluded transactions and history being illicitly reported to my consumer report. I have also reviewed my agreement with " XXXX XXXX XXXX' and I am enforcing my right to OPT- OUT as explained in FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

( 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. 

I have notified you of the FCRA laws in a previous letter, but these laws have been recklessly ignored and violated. I will dispute XXXXXXXX XXXX  and any consumer reporting agency that violates these laws in court if they are violated again as said in the FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
My history with XXXXXXXX XXXX must be removed from my consumer report immediately in Pursuant to the Federal Credit Reporting Act 15 U.S.C 1681a ( 2 ) ( a1 ). 

[ 2 ] Exclusions. Except as provided in paragraph ( 3 ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal. 


The laws states, the consumer report does not contain " Late payment or late payment history. Any more reporting of information based solely on transactions or expenses will need to be settled in court for remedy. After updating my Consumer Report please provide me with an updated report reflecting the removal of this account as it is illegal by the FCRA and once again I am enforcing my OPT-OUT. I am not requesting for Validation or Verification.

As per FCRA 15 U.S.C Code 1681s2 Reporting information after notice and confirmation of errors- A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 


Thank you for your time,

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