Product: Credit reporting or other personal consumer reports

I am writing to formally address and seek resolution for several serious issues concerning the handling of my personal and financial information by Experian. These concerns pertain to violations of federal privacy and credit reporting laws, as well as unauthorized and discriminatory practices. 
Violations of Federal Law and Regulatory Standards Discrimination and Unfair Practices ( 15 US C 1691 ( a ) ( 3 ) ) It is unlawful for any creditor to discriminate against an applicant due to their good faith exercise of rights under the credit laws. My reputation and creditworthiness are being unjustly harmed due to the use of my credit under permissible purposes, resulting in undue adverse actions. 
Disclosure and Consent : According to 5 USC 552a ( 8 ) ( a ) ( B ) ( ii ), matching programs must not use data to make decisions about individuals ' rights, benefits, or privileges unless independently verified and contested. Experian 's " failure to provide accurate and verified information before making adverse decisions about consumers ' credit is a direct violation of this regulation. 
Violations of Family Educational Rights and Privacy Act ( 20 U.S. Code 1232g ) : Experian has inaccurately reported education records, which should be protected under XXXX. This Act mandates that educational institutions must not release personally identifiable information from education records without written consent from parents or students. The continued reporting of inaccurate education-related data violates this regulation. Remove all student loans from the credit report immediately unless Experian can provide my written consent to publish. 
Breach of 16 CFR 433.1 : Under 16 CFR 433.1, a purchase money loan involves a cash advance for a finance charge applied to a purchase of goods or services. Receiving such information from third-party affiliates without written consent constitutes a breach of regulations. Experian 's practice of accepting and reporting such data without explicit consumer consent is unlawful. 


False Reporting and Securities Fraud I have identified instances where my reputation has been negatively impacted due to unauthorized and incorrect reporting. There are accounts with transaction histories spanning over XXXX years that are reported with XXXX balances but have not been updated as " account closed by consumer. '' This misreporting is not only misleading but also potentially constitutes securities fraud, as it suggests private ledger activity that I did not consent to or benefit from. 
Inaccurate Reporting and Unauthorized Hard Inquiries ( 15 USC 1681b ) According to 15 USC 1681b, consumer reporting agencies must limit the furnishing of reports to permissible purposes only. Experian must provide written consent for these inquiries, which should be removed as they are unauthorized. Additionally, all derogatory remarks and outdated information must be corrected to reflect " current '' or " paid as agreed '' statuses according to GLBA act listed below. Remove all hard inquiries immediately. 
Unauthorized Use and False Pretenses ( 15 USC 6821b ) Experian has reported numerous promotional inquiries without my authorization. This includes a violation of 15 USC 6821b, which prohibits obtaining customer information under false pretenses. I demand immediate removal of all unauthorized inquiries and a detailed explanation of the permissible purposes for each one. 
Noncompliance with Privacy Regulations ( Gramm-Leach-Bliley Act ) The Gramm-Leach-Bliley Act restricts the sharing of nonpublic personal information with nonaffiliated third parties without proper opt-out notices. Experian 's practices, including the dissemination of such information without proper consent, constitute violations of these regulations. Immediate cessation of such practices and correction of any shared information is required. The Gramm-Leach-Bliley Act ( XXXX  ) defines nonpublic personal information ( XXXX  ) as any information that is personally identifiable and financial in nature. This includes : Names - Remove all names except XXXX XXXX Addresses - Remove all addresses except XXXX XXXX  XXXX XXXX. XXXX XXXX, Tennessee XXXX. 
Phone numbers - Remove all phone numbers except ( XXXX ) XXXX Social Security numbers - Remove all jobs listed. 
Income - Requires written consent Credit score - cease reporting date reported, responsibility, status updated, recent payments, original balance, highest balance off complete report, Account numbers - Remove any and all account information from complete report Payment history- Cease & desist reporting completely as this has to do with financial transactions. 
Loan or deposit balances - Remove any and all numbers that have a $ sign in front of them. Remove adverse/derogatory info ie : High balance, utilization, balances Credit or debit card purchases- Remove utilization, balances, high balances. 
XXXX can also include lists, descriptions, or other groupings of individuals that are derived from personally identifiable financial information that is not publicly available. 
The XXXX  requires financial institutions to protect consumer financial privacy by : Explaining their information-sharing practices to customers Safeguarding sensitive data Developing, implementing, and maintaining an information security program Telling customers about their right to " opt out '' Experian is to cease reporting any and all adverse derogatory comments and to follow the law by contacting me prior to reporting per the law. Any and all assumed verbal, non-verbal or implied consent to report character damaging information from any and all affiliates is hereby revoked. Experian is to contact me to report anything moving forward that could be negative and what they can report will be by what the law allows. 

Criminal and Civil Liabilities ( 15 USC 6823 ) Experian is potentially in violation of 15 USC 6823, which imposes criminal penalties for knowingly violating laws related to customer information. The continuous illegal practices warrant scrutiny and possible legal action to address the harm caused. Being that I have a credit report from XXXX and XXXX from XXXX it shows Experians intention to willfully and knowingly continue to cause harm and their comfortability with their continued fraudulent practices. Penalties for GLBA non-compliance can include fines for financial institutions and individuals, as well as prison time for individuals. 
Requests for Immediate Action Cease and Correct Unauthorized Reporting Remove all inaccurate and outdated information from my credit reports, including transaction histories and derogatory remarks. Transactions means their histories and anything attached to an amount of money or has a $ sign. 
Update the status of accounts to " paid as agreed or current '' and remove all student loans completely per XXXX. 
Provide Written Consent Records Supply written consent for each promotional inquiry and confirm that such inquiries were conducted under permissible purposes. 
Revise Opt-Out Procedures Implement a legally compliant opt-out procedure allowing consumers to effectively prevent their information from being disclosed to nonaffiliated XXXX  parties. 
Rectify Reporting Practices Ensure that all financial transaction history and credit reporting practices adhere to legal requirements for accuracy, timeliness, fairness and completeness. Please note, I am not making this report to hear that I need to contact the companies reporting about their accuracy, but to question why Experian is publishing without notice or my consent after buying the information? Why is there no accuracy according to XXXX on Experian reporting? The private company Experian is and will be held accountable for their scheming practices. 

Conclusion The Experian 's ongoing violations are causing significant harm and unfair treatment. Immediate action is required to rectify these issues and ensure compliance with federal regulations. Failure to address these concerns promptly will necessitate further legal action to protect my rights and interests. 
Thank you for your prompt attention to these matters. I look forward to a resolution in good faith and the restoration of fair practices.