Consumer complaint received 2024-11-11 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: TX

Complaint narrative:
I am inquiring about a PETITION against the illegal and harmful acts that XXXX XXXX, XXXX XXXX, EXPERIAN, AND XXXX have done by violating my consumer rights of reporting my non public personal information pertaining to my Capital XXXX account. In this consumer complaint I will cover the following violations that they have performed : *16 CFR 313.10 LIMITATIONS ON DISCLOSURE OF NON-PUBLIC PERSONAL INFORMATION TO NON-AFFILIATED THIRD PARTIES. 
*15 U.S.C . 1681 ( b ) PERMISSIBLE PURPOSES *15 U.S.C. 6809 ( 4 ) NON PUBLIC PERSONAL INFORMATION -A ( iii ) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER *PRIVACY ACT OF 1974 *15 U.S.C.1681 ( i ) INACCURATE REPORTING Firstly, addressing the violation of 15 U.S.C. 1681b ( a ) ( 2 ) PERMISSIBLE PURPOSES OF CONSUMER REPORT which states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. This means that XXXX  XXXX, XXXX XXXX, Experian, and XXXX Credit Bureaus do not have the ability to report ANYTHING onto my consumer credit report unless written instructions have been given from myself to do so, which considering that I have given them previous notice of my revoking of reporting my non-public information, XXXX  XXXX, XXXX XXXX, Experian, and XXXX DO NOT have the written consent to do so. 
Secondly, addressing the violation of 15 U.S.C. 6809 ( 4 ) which states : Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. In addition to this, 16 CFR 313.10 LIMITATIONS ON DISCLOSURE OF NON-PUBLIC PERSONAL INFORMATION TO NON-AFFILIATED THIRD PARTIES enforces this is even stricter which says : ( b ) Application of opt out to all consumers and all nonpublic personal information ( 1 ) You must comply with this section, regardless of whether you and the consumer have established a customer relationship ( 2 ) Unless you comply with this section, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer that you have collected, regardless of whether you collected it before or after receiving the direction to opt out from the consumer. 

( c ) Partial opt out. You may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out. With that being said. 



Lastly, all of the above violations contribute to an overall violation of my federally protected consumer privacy under the PRIVACY ACT OF 1974. In my monthly consumer report XXXX  XXXX, XXXX XXXX, Experian, and XXXX Credit Bureaus have reported my non-public personal information by reporting DATA INFORMATION PERTAINING TO MONTHLY TRANSACTIONS WHICH IS ILLEGAL per 16 CFR 313.10 AND 15 U.S.C. 1609 ( 4 ). THEREFORE, I AM MAKING A PETITION TO STOP XXXX  XXXX, XXXX XXXX, EXPERIAN, AND XXXX CREDIT BUREAUS FROM REPORTING MY TRANSACTIONAL MONTHLY INFORMATION ONTO MY CONSUMER CREDIT REPORT PER 16 CFR 310.13 ( c ).

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