Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5280792

Complaint Overview

Complaint ID: 5280792

Company: Experian Information Solutions INC.

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Improper use of your report

Sub-Issue: Reporting company used your report improperly

State: Delaware

ZIP Code: 19805

Date Received: 2022-03-02T12:00:00-05:00

Date Sent to Company: 2022-03-02T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

THIS IS AN CONTINUATION FROM THE EXPERIAN RESONSE FROM CFPB. I SENT A LETTER THAT WAS NOTIRIZED AND CERTIFIED, ABOUT REMOVING THESE ACCOUNTS DUE TO THE LAW PASSED BY CONGRESS OF MY PRIVACY RIGHTS. -- -- -- -- -- -- -- -- -- -- -- -- RIGHTS AS A CONSUMER -- -- -- -- -- -- -- -- -- -- -- -- -- -- 15 U.S. Code 1681a - Definitions ; rules of construction ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. EXPERIAN IS AN AGENCY. ______________ 15 U.S. Code 1681 - Congressional Findings And Statement Of Purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) 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. _______________ 15 U.S. Code 6802 - Obligations With Respect To Disclosures Of Personal Information ( b ) Opt Out ( 1 ) In General A financial institution MAY NOT disclose nonpublic personal information to a nonaffiliated third party unless. ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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 ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ___________ 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ____________ Definition of Consumer Reporting Agency : ( A ) The term consumer reporting agency means a consumer reporting agency described in section 1681a ( p ) of this title. Section 1681a ( p ) - ( p ) Consumer reporting agency that compiles and maintains files on consumers on a nationwide basis. The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumer 's credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ( 1 ) Public record information. ( 2 ) Credit account information from persons who furnish that information regularly and in the ordinary course of business. Definition of Consumer Report : ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title _________________ Definition of Financial Institution : ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. Definition of Nonpublic Personal Information : ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information. Definition of Nonaffiliated Third Party : The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. I HAVE THE RIGHT TO PRIVACY AS A CONSUMER. I WANT ALL OF THESE PERSONAL ACCOUNTS TO BE REMOVED. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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