Consumer complaint received 2024-05-27 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: MI

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 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 information. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX are all 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 that were mentioned above and the Consumer reporting agencies Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, XXXX, and the financial institutions 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 is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( 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. 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 consumer reports to the purposes listed under section 1681b of this title. Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. All these companies are in direct violation of the Privacy Act of 1974. I demand that Experian and XXXX XXXX maintain reasonable procedures and follow the law that Congress has in place. I expect the CFPB to hold these companies accountable for abusing the law. It's also been shown in the XXXX reports that these companies have been selling my information on the secondary market leaving me vulnerable. These companies have not protected my privacy while furnishing fraudulent credit reports. Experian has been selling my information on the XXXX XXXX XXXX with my permission according to their financial reports published on their website. XXXX has turned all my information into a security and has been trading and exchanging those securities without my permission. This information can be found in XXXX prospectus report. 
Experian and XXXX have committed fraud while violating many codes and laws as I have expressed above. These companies should not be getting away with doing this. Laws are put in place for a reason. As a consumer I do not feel like my rights are being protected and the CFPB should not allow these companies to report or do whatever they want. Everyone and every company should be subjected to the law. XXXX is the only reporting agency who has responded to my letters and removed all adverse items. They have complied with the laws and maintained reasonable procedures. Experian and XXXX have not followed suit in doing what's right. All 3 of my reports MUST match and they do not. They are all completely off, while my personal information has been exposed on the dark web potentially due to inaccurate reportings.

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 non-monetary relief