Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8717225
Complaint Overview
Complaint ID: 8717225
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: Washington
ZIP Code: 98837
Date Received: 2024-04-07T12:00:00-05:00
Date Sent to Company: 2024-04-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In violation of 15 U.S. Code 6802, it has become clear that XXXX has disclosed my nonpublic personal information to at least 3 non-affiliated parties EXPERIAN, XXXX, and XXXX. As defined at 16 CFR 313.3 ( k ) ( 2 ) Personally identifiable financial information includes : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ''. Per 15 USC 1681 ( Fair Credit Reporting Act ) and 15 USC 6802 ( Gramm-Leach-Bliley Act ), as a federally protected consumer, financial institutions are required per 16 CFR 313.7 ( a ) ( 1 ) to provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state a reasonable means by which the consumer may exercise the opt out right. XXXX has never given me a reasonable means of opting out of disclosure of my nonpublic personal information per 15 U.S. Code 6802, as required by law. I expressly OPTED OUT on XXXX XX/XX/XXXX of any and all authorization that I may have given XXXX to disclose any of my personally identifiable financial information, whether such authorization was written, unwritten, verbal, non-verbal, implied, or assumed. I have recorded over 82 violations of my privacy regarding my accounts with XXXX since XXXX. Furthermore 15 U.S. Code 1681adefines ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. XXXX is willfully disclosing reports containing information solely as to transactions or experiences between XXXX and I to non-affiliated third parties. Pursuant to 16 CFR 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( c ) Partial opt out. Financial Institutions may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out. I have received no response after my express OPT OUT, and are still disclosing my nonpublic personal information to EXPERIAN, XXXX, and XXXX.
Frequently Asked Questions
What is Complaint #8717225 about?
Complaint #8717225 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 2024-04-07T12:00:00-05:00.
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.