Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #7489932
Complaint Overview
Complaint ID: 7489932
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: California
ZIP Code: 90808
Date Received: 2023-09-01T12:00:00-05:00
Date Sent to Company: 2023-09-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX and Experian are reporting without my permission. These accounts are adverse items and reporting without my permission is against the law. Under the Fair Credit Reporting Act 15 USC 1681- Congressional Finding and statement of purpose a ) Accuracy and Fairness of credit reporting states There is a need to ensure the CONSUMER REPORTING AGENCIES which are Experian and XXXX exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy, the consumer would be myself. According to the Privacy Act of 1974 ( 5 USC section 552a ) b ) Conditions of disclosure- No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Consumer reporting agencies XXXX and Experian DO NOT have my consent to furnish this information and they DO NOT have my written consent. All consent to XXXX and Experian ( Furnisher of information to credit agencies ) Whether its verbal, non-verbal, written, implied, or otherwise is revoked immediately. 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. ( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. Under 15 USC 1681c Information excluded from consumer reports- ( 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. Lastly, 12 CFR section 1016.7 states A consumer may exercise the right to opt out at any time. Please note that I am opting out of your reporting services. Thank you!
Frequently Asked Questions
What is Complaint #7489932 about?
Complaint #7489932 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2023-09-01T12:00:00-05:00.
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 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.