Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my credit report and I have found the following items listed below to be in error Pursuant to 15 U.S.C 1681a ( 2 ) ( A ) ( i ) which states that the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. Late payments, account balance, collections, repossession, status, and utilization is considered a credit transaction or an experience between the consumer and the person making the report.

I am opting out of any all authorization given to report to any third party any authorization verbally or non-verbal, written or non written, indirectly or directly, I am now rescinding that authorization pursuant to 15 U.S.C 6802 6809 ( 4 ) ( a ) and 16 cfr 313.2 and it also states that I have a right to privacy I have the right to opt out of my non public personal information being shared with nonaffiliated third parties such my credit transaction.

Pursuant to the privacy Act 15 U.S.C 552a and 20 cfr 401.25 the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; I never gave you EXPERIAN any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EXPERIAN has caused severe damages and anxiety due to the abusive and unfair practices. This is now impeding on my life and familys lives.

You, EXPERIAN should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and intentionally cause harm to consumers.

Since you Experian and whatever creditors paying for your reporting services Has violated the FCRA 15 U.S.C 1681 that the consumer credit transactions and experiences between the consumer and person making the report are illegall on credit reports because they will violate The Privacy Act of 1974 which state that my financial transactions which are my credit Transaction & any experiences between me and any person making the report is my privacy which is not public information and should not be shared with or by any Agency & if shared with out my consent is a violation 15 u.s.c 1681b ( 2 ) and infringement to my right privacy.

I demand removal of all late payments, collections, Balances and repossession be removed from my comsumer report, and for account to be updated as paid/current, Within 10 days pursuant to 15 U.S.C1681a ( 2 ) ( A ) ( i ) 15 U.S.C 552a & 20 cfr 401.25 The privacy Act of 1974 failure to amend is a violation of 15 u.s.c 1611 and 15 u.s.c 1681n

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