Consumer complaint received 2023-12-23 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: OK

Complaint narrative:
I wanted to update my earlier complaint but I was unable to so I am submitting a new complaint but it should be known that their is a previous complaint from the other day. This had the most pertinent information As per the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must carry out their significant responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX and Experian and XXXX, being consumer reporting agencies, and I, as the consumer, have the explicit right to ensure the protection of my private information, as supported by 15 USC 6801. This statute articulates the Congress 's policy that financial institutions have an ongoing obligation to respect the privacy of their customers and safeguard the security and confidentiality of their nonpublic personal information.

Entities that furnish information to credit agencies, categorized as financial institutions, are bound by 15 USC 1681 section 604 ( a ) ( 2 ), which specifies that consumer reporting agencies may only provide a consumer report in accordance with the written instructions of the concerned consumer. The financial institution, XXXX, Experian, XXXX and any furnisher of information to credit agencies, do not possess my consent to furnish this information, and certainly not my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise, to XXXX, Experian, XXXX and any furnisher of information to credit agencies. 
Furthermore, as outlined in 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed about the option to exercise nondisclosure. The furnisher of information to credit agencies failed to inform me of my right to exercise this nondisclosure option. Additionally, 15 USC 1681c ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports, especially without the consumer 's permission, which is the case with the account in question.

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A emphasizes that information should not be furnished to consumer reporting agencies if there is knowledge or reasonable cause to believe that the information is inaccurate. XXXX and Experian and XXXX are not adhering to reasonable procedures, as required by 15 U.S. Code 1681e, which mandates consumer reporting agencies to maintain procedures designed to avoid violations of specific sections and limit the furnishing of consumer reports to specified purposes.

Finally, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time. 


Hard inquires Here is a list of businesses that they freely gave out my personal non-public private info. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Mortgage Reporters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Electric Light And Power Company XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This XXXX XXXX XXXX to continue on XXXX until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX XXXX  XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX Business Type : Bank - Installment Loans XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Mortgage Companies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX 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