Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Dear Sir/Madam, According to the Fair Credit Reporting Act, 15 USC 1681 , section 602, it states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Experian is a consumer reporting agency, and I am the consumer. I have the right to ensure that my private information is not shared, as supported by 15 USC 6801, which states, " It is the policy of XXXX 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. '' 12 CFR 1016.1 Purpose and Scope governs the treatment of nonpublic personal information about consumers by financial institutions. XXXX XXXX qualifies as a financial institution under this title. 15 USC 1681, section 604 ( a ) ( 2 ) states, " 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. '' XXXX XXXX and the consumer reporting agency Experian do not have my consent to furnish this information, and they certainly do not have my written consent. Any and all consent to Experian, and XXXX XXXX, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
15 USC 6802 ( b ) ( c ) states, " 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. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Additionally, 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 antedate the report by more than XXXX years. '' This account is an adverse item that is being reported without my permission, which is against the law. 
As a result, I have faced difficulties in utilizing my credit and have experienced several denials, including a recent one from XXXX XXXX XXXX XXXX. 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 has not maintained reasonable procedures. This is a complete violation of the Privacy Act of 1974 and a direct indication of willful noncompliance as per 15 U.S. Code 1681n. 
Please ensure that this matter is resolved promptly, as I have suffered enough. 
Regards,

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