Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I noticed there is information and data in error being reported in accordance with the Fair Credit Reporting Act, Privacy Act of 1974 and the Truth in Lending Act. 
Experian is consumer reporting agency and I am the consumer. I have the right to make sure my private information isn't shared which is back by the FCRA, Privacy Act of 1974 and 15 U.S. Code 6801 which states : " It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those consumers non public personal information ''. Furnisher of information to credit agencies is a financial institution by definition under that title. 
Under the fair credit reporting act congress has reasonable procedure 's that require consumer reporting agencies to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the title.

603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] of the Fair Credit Reporting Act states the following : ( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( g ) The term file when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. 
The Privacy Act allows for criminal penalties in limited circumstances. An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is guilty of a misdemeanor and subject to a fine of up to {$5000.00}, if the official acts willfully. 
I am also the card holder which was issued to these companies so that I can receive a open end account with them ; to receive payments with them and defer. 
With the terms and definitions from the Truth In Lending Act, there are accounts being reported on my consumer credit report as debt when it is a credit that was extended that I have claimed. I am the cardholder to which was issued to the companies listed so that I can receive a open end account with the ; to receive payments with them and defer. Enclosed is a copy of the card issued, possessed by me the consumer, that would support the claim. 
In my numerous attempts to resolve this reoccurring issue Experian has never provided their method of verification to these alleged debt. When will it be provided? 
I have also attached Passport Card for identification, and 1099c that have been filed and accepted which show the inaccurate reporting of these accounts. Which has been ruining my reputation and an invasion of my privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation