Consumer complaint received 2024-02-09 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:
As a federally protected consumer I am concerned that my requests are being ignored and XXXX XXXX, Experian, and XXXX are not upholding their duty to abide by the law. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which 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. XXXX XXXX is a financial institution in respect to that title. Experian and XXXX are consumer reporting agencies and I am the consumer. 

XXXX XXXX being the financial institution and Experian and XXXX being the consumer reporting agencies DO NOT have my consent to furnish this information and they surely do not have my written consent. By definition under the title 15 USC 1681 section 604 a section XXXX states that " 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. '' I specifically informed XXXX XXXX that I opted out of any and all authorizations I may have given them whether it be verbal, non-verbal, written, implied or otherwise is revoked. As 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. '' I sent a written statement and XXXX XXXX received this notice via certified mail on XX/XX/XXXX and no action has been taken. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Per Privacy Act of 1974 ( 5 U.S. Code 552a ) I demand my privacy be protected at all costs.

Per the Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) as a federal law enacted in XXXX that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Not only that 15 USC 1681C ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), no consumer reporting agency 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. '' This XXXX XXXX account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) 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 information is inaccurate. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

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