Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8068277
Complaint Overview
Complaint ID: 8068277
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: South Carolina
ZIP Code: 290XX
Date Received: 2023-12-27T12:00:00-05:00
Date Sent to Company: 2023-12-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have 5 unknown inquiries that needs to be removed immediately XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with the principles outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 section 602a, it is emphasized that consumer reporting agencies, such as XXXX and Experian, must execute their responsibilities with fairness, impartiality, and a profound regard for the privacy rights of consumers. As the individual in question, I assert my right to ensure the non-disclosure of my private information, a right substantiated by 15 USC 6801, which underscores the congressional policy obligating financial institutions to uphold customer privacy and safeguard nonpublic personal information. The entity providing information to credit agencies, colloquially known as the 'Furnisher of information to credit agencies, ' falls within the definition of a financial institution under the aforementioned title. According to 15 USC 1681 section 604a ( 2 ), a consumer reporting agency is permitted to furnish a consumer report solely in accordance with the explicit written instructions of the respective consumer. In this case, neither the financial institution nor the consumer reporting agencies, XXXX and Experian, possess my consent, whether it be verbal, non-verbal, written, implied, or otherwise, to furnish such information. All forms of consent are hereby revoked. Furthermore, 15 USC 6802 ( b ) ( c ) asserts that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer has been provided with an explanation of how to exercise the nondisclosure option. To my knowledge, the 'Furnisher of information to credit agencies ' failed to inform me of this right, rendering any such disclosure unlawful. It is essential to note that 15 USC 1681C ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a consumer report without proper authorization, specifically any adverse information exceeding a seven-year antedate. The inclusion of such adverse information on the account in question is a clear violation of this provision. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A mandates that any person furnishing information to a consumer reporting agency must ensure the accuracy of the information provided. XXXX and Experian, by reporting inaccurate and unauthorized information, are in direct violation of this statutory requirement. Lastly, in accordance with 12 CFR 1016.7, I hereby exercise my right to opt out of any further reporting. It is my prerogative to withdraw consent for the reporting of my information at any time. In light of the aforementioned legal provisions and violations, I demand immediate corrective action to rectify the inaccuracies and cease any unauthorized reporting by XXXX, Experian, and the 'Furnisher of information to credit agencies. ' '' I have a right to privacy
Frequently Asked Questions
What is Complaint #8068277 about?
Complaint #8068277 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 2023-12-27T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.