Consumer complaint received 2024-12-04 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: PA

Complaint narrative:
Upon reviewing my credit reports I determined that there are some accounts that are reporting that should not be reporting.. 
I am asking for a Notice to receive the three disclosure forms of the account agreements ..The accounts I am requesting the three disclosure forms are for XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX, XXXX account number XXXX. Please send over all disclosure forms when these accounts were opened.. The first disclosure form should state that my non public personal information may be sent to a third party, the next disclosure form should stating I have the right to opt out of having my non public personal information sent to a third party and lastly the disclosure form showing me exactly how I can exercise that right to opting out.. Pursuant to 15USC 6802 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.

If these specific documents are not provided according to the GRAMM LEACH BLILEY ACT 15 USC 6801 ( a ) Privacy obligation policy 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. My rights have been violated greatlyAnd the original contract I entered in with these companies Have been very much misleading and deceptive.. Moreover if you fail to honor my request and discriminate against me for exercising my rights that will be another clear violation of the Law 15 USC 1691 ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 3 ) because the applicant has in good faith exercised any right under this chapter. 
If fraudulent activity has taken place in the above mentioned accounts please discharge the accounts Thank You XXXX XXXX Also there are many inquiries that need to be removed from my credit reports because I did not give permission for these mentioned companies below permission to run my credit.. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries immediately Thank You XXXX 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