Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #6039775
Complaint Overview
Complaint ID: 6039775
Company: Experian Information Solutions INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Georgia
ZIP Code: XXXXX
Date Received: 2022-10-01T12:00:00-05:00
Date Sent to Company: 2022-10-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently received a copy of my consumer credit report and I noticed some accounts that should not be there : XXXX XXXX XXXX XXXX XXXX EXPERIAN is in clear violation of the law, Under 15 USC 1681b - Permissible purpose of consumer reports, THE LAW CLEARLY STATES that 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. I did not give EXPERIAN written instructions to furnish this account on my consumer report. And further, EXPERIAN is in violation of 15 U.S. Code 6802 ( b ) ( 1 ) ( A ), ( B ) and ( C ) ( 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. You have to give me three disclosures. I have not received three disclosures. Without these disclosures my information should not be in any consumer reporting agencies database. EXPERIAN did not disclose this information to me which is required by law, they knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non affiliated third parties, and they knowingly and willfully withheld information that explained how I the consumer can exercise that non disclosure option. And further, EXPERIAN is not obeying Title V of the Gramm-Leach-Bliley Act.
Frequently Asked Questions
What is Complaint #6039775 about?
Complaint #6039775 was filed against Experian Information Solutions INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2022-10-01T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.