Consumer complaint received 2024-02-04 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: AK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/year> This is not a verified dispute. 
Notice to Agent is notice to Principal notice to Principal is notice to Agent Upon my monthly review of my consumer reports it has come to my attention that you ( Navient ) are reporting accounts to my consumer report that I did not give you any express permission or permissible purpose to report. 15 USC 1681 b2.

As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC 1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. You have reported my private information without my consent. 

Your actions amount to aggravated identity theft 18 USC 1028a. As a consumer you have an obligation to protect my personal non-public information.

15 USC 6801 protection of public personal of non-public personal information. It is the policy of the congress that each financial institution has affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

You have reported my confidential and private information to an unaffiliated third party without my permission or without giving me the proper disclosures 15 USC 6802.

15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

You ( XXXX ) have violated my right to privacy. 

Im requesting all my disclosure pursuant 15 USC 6802b that you should have conspicuously disclosed to me before reporting my non-public personal information to an unaffiliated third party ( Experian, XXXX, XXXX and XXXX XXXX 

Im exercising my rights to opt out of having my information reported pursuant 15 USC 6802. 

Your actions have cause me and my family severe mental anguish deformation of character. You ( XXXX ) have stolen my identity, violated my consumer rights to privacy and the obligation you have maintain the security and confidentiality of my private information. 

You have no lawful authority or permissible purpose to put any account on my consumer reports. 

15 USC 1681 and civil liability for willful non-compliance. In general, any person who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. 
b. says in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

You have ten calendar days from the receipt of this notice to delete the accounts. 

Account XXXX XXXX XXXX  Thank you.

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