Consumer complaint received 2024-04-25 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX XXXX XXXX XXXX and Experian are consumer reporting agencies and I am the Consumer. 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 XXXX XXXX XXXX XXXX AND XXXX  XXXX XXXX are financial institution by definition under that title. 
As of today XX/XX/2024, per the FCRA as a federally protected consumer Im now opting out of all authorization I the consumer may have given you Experian, XXXX XXXX, XXXX pertaining to reporting non personal information from third parties i.e. : XXXX XXXX XXXX XXXX  AND XXXX  XXXX XXXX : written/unwritten, verbal/nonverbal this is effective immediately and indefinitely on reporting all my private information from these companies. I am opting out from reporting services. 
15 US Code 6802 ( B ) OPT OUT 1 In General : A financial institution may not disclose nonpublic personal information to a non-affiliated party unless ( 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. 
Per 15 USC 6802 : ( A ) a financial institution may not directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803. I have not been provided any notices and continue to not be provided notices. 
( Nonpublic information ) - means personally identifiable financial information, provided by a consumer to a financial institution resulting from any transaction with the consumer of any service performed for the consumer otherwise obtained by the financial institution. There is personal information being furnished on my credit report without my consent. 
Also, according to 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. 
*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. No adverse item besides the conviction of crimes should be on my report. After review of my credit reports XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have furnished adverse items on my credit report without my consent nor notification.

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