Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8172147
Complaint Overview
Complaint ID: 8172147
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: 931XX
Date Received: 2024-01-16T12:00:00-05:00
Date Sent to Company: 2024-01-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am lodging a formal complaint to express my concerns regarding the egregious infringements on my rights as a consumer by XXXX, XXXX, and Experian. These entities are blatantly flouting the Fair Credit Reporting Act ( 15 USC 1681 ) and other pertinent laws. Under 15 USC 1681 section 602 ( a ), it unequivocally states that consumer reporting agencies must fulfill their responsibilities with fairness, impartiality, and reverence for the consumer 's right to privacy. However, the actions of XXXX, XXXX, and Experian starkly contradict this mandate. As a consumer, I possess the unequivocal right, safeguarded by 15 USC 6801, to ensure that my private information is not shared without my explicit consent. Furthermore, as per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies are permitted to furnish a consumer report solely in accordance with the written instructions of the consumer. I want to emphasize that neither the financial institution ( Furnisher of information to credit agencies ) nor the consumer reporting agencies possess my consent to furnish this information, and they decidedly lack my written approval. The failure to apprise me of my right to exercise my nondisclosure option, as required by 15 USC 6802 ( b ) ( c ), constitutes a blatant violation of the law. Additionally, the reporting of adverse information without my permission, as outlined in 15 USC 1681C ( a ) ( 5 ), is illegal. Furthermore, 15 U.S. Code 1681s2 ( a ) ( 1 ) explicitly prohibits the furnishing of inaccurate information to consumer reporting agencies. XXXX and Experian are failing egregiously to uphold reasonable procedures to avoid violations of Section 1681c and to restrict the furnishing of consumer reports to the purposes authorized under Section 1681b. To compound matters, the neglect to inform me of my right to opt-out, as mandated by 12 CFR 1016.7, accentuates a complete disregard for consumer rights. I am hereby formally exercising my right to opt out of any adverse reporting to my consumer report. Under 15 USC 1681c ( f ) and relevant statutes, I have explicitly requested that adverse information concerning my credit history or any other consumer reports be excluded from reporting to third parties. This opt-out request is effective immediately, and I expect compliance with this directive.
Frequently Asked Questions
What is Complaint #8172147 about?
Complaint #8172147 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 2024-01-16T12:00:00-05:00.
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.