Consumer complaint received 2024-07-16 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: AR

Complaint narrative:
According to the Fair Credit Reporting Act15 USC 1681 section 602 says " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with respect, impartiality, and fairness for the consumers right to privacy. XXXX, Experian and XXXX are consumer reporting agencies, and I am the consumer. It is to my knowledge that 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. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 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. The financial institution and the Consumer reporting agencies XXXX and Experian, and XXXX XXXX do not have my consent to furnish this type of information and I did not give a written consent. Any and all consent to XXXX XXXX, XXXX, and Experian whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer if given an explanation of how the consumer can exercise the nondisclosure option. XXXX XXXX XXXX, or Experian never notified or informed me of my right to exercise my nondisclosure option. 15 USC USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting may take any consumer report containing anu of the following items of information. Any other adverse item of information, other than records of the convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relation to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is not accurate. 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 consumers reports to the purposes listed under section 1681b of this title. '' XXXX XXXX, XXXX, and Experian are not maintain reasonable procedures. Also 12 CFR 1016.7states that " A consumer may exercise the right to opt in or out at any time. 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