Consumer complaint received 2025-08-07 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: NV

Complaint narrative:
Submitting this claim of behalf of According to the FAIR CREDIT REPORTING ACT XXXX XXXX section XXXX it states. That there is no need to insure that consumer reporting agencies exercise their responsibilities with fairness impartially, and a respect for the consumers rights to privacy. EQUIFAX, Experian, and Transunion are consumer reporting agencies and I am the consumer. I have the right to make sure my private info is not shared which is backed by XXXX XXXX which states It is the policy of the of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers non publicly personal information ( Furnisher of info to credit agencies ) as a financial institution by definition under that title XXXX XXXX XXXX section XXXX a section XXXX states that In general subject to subsection ( c ) any consumer reporting agency my furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates the financial institution and the consumer reporting agencies Equifax, Experian, Transunion do Not have my consent to furnish this info. And they do not have my written consent ever I have not given. Any and all consent to Equifax, Experian, Transunion whether be verbal or non verbal written impai or otherwise is revoked. XXXX XXXX ( b ) ( c ) states that a financial institution XXXX not disclose nonpublic personal information to a no. Affiliated XXXX XXXX Unless the consumer is given a explanation of how the consumer can exercise that no. XXXX option. They never informed me of the right to excercise my non disclosure option. Of only XXXX XXXX C ( A ) ( XXXX ) states except as authorized under subsection ( b ). NO consumer reporting agency XXXX make any consumer report containing any of the following items of info.Any other adverse item of info. Other than records of convictions of crimes which antedates the report by more than the XXXX years. This account is a adverse item they are reporting again without my permission which is against the XXXX XXXX XXXX ( a ) ( XXXX ) A 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 info is inaccurate XXXX XXXX XXXX states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer report to the purposes listed under section XXXX of this title Equifax, Experian XXXX Transunion are not XXXX reasonable .Also XXXX XXXX XXXX states A consumer XXXX excercise their right to opt out anytime! I am opting out of your reporting services!

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