Consumer complaint received 2024-03-18 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: LA

Complaint narrative:
In the FCRA 15 USC 1681 section 602a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Experian, and XXXX are consumer reporting agencies, I am the consumer. It is my right to make sure my nonpublic personal information isnt share which is backed by 15 USC 6801. It 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. XXXX and XXXX XXXX XXXX XXXX are financial institutions by definition under that title. According to 15 USC 1681 section 604a section 2, In general 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 which it relates. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish this information and definitely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, XXXX XXXX XXXX XXXX, and XXXX, whether it be verbal/nonverbal, written, or implied is revoked. According to 15 USC 6802 ( b ) ( c ) A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise the non disclosure option. XXXX and XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. XXXX USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. These accounts are adverse items they are reporting without my consent which is unlawful. 15 USC 1681 ( s ) ( 2 ) ( A ) ( 1 ) ( A ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. According to 15 USC 1681 ( e ) Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures. 20 USC 1232 ( g ) ( b ) protects the privacy of students education records and prohibits information such as financial records from being disclosed without written consent of the consumer. 12 CFR 1016.7 states A consumer may exercise the right to opt 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