Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: NJ
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 am a natural person ( as such as the God of nature formed me ). My name in ALL CAPS is not me. I am the natural person XXXX, XXXX XXXX XXXX XXXX XXXX XXXX who is the student as well as the consumer on these accounts who applied for credit for personal purposes and who has a right to privacy afforded by the Family Educational Rights and Privacy Act 34 CFR Part 99 which protects the privacy of student educational records. These records are directly related to me, in which I did not give prior written express consent before they violated my rights to privacy. 

Furthermore, In accordance with the Fair Credit Reporting act, THE LIST OF XXXX ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY under 15 USC 1681, The Family Educational Rights and Privacy Act of 1974, and The Privacy Act of 1974 : XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Closed accounts of XXXX XXXX XXXX closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 15 U.S. Code 1602 ( b ) BUREAU -The term Bureau means the Bureau of Consumer Financial Protection. 
15 USC 1681 ( a ) ( XXXX ) states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681b ( a ) ( XXXX ) I never gave any consumer reporting agency written instructions to furnish a consumer report/account as this section states. 

15 USC 1681c ( a ) ( XXXX ) states : No consumer reporting agency XXXX make any consumer report containing any of the following items of information ( XXXX ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S. Code 1681c Requirements relating to information contained in consumer reports ( a ) WHICH STATES NO consumer reporting agency may make any consumer report containing any of the following items of information : ( XXXX ) Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX YEARS. 

THESE ACCOUNTS LISTED ALSO APPEARS TO HAVE BEEN CLOSED ACCOUNTS AND ARE XXXX XXXX XXXX from XXXX and have been delinquent/closed/charged for XXXX years. 

15 USC 1681s-2 ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Furthermore, The Privacy Act of 1974 establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies, as well as PROHIBITS THE DISCLOSURE OF A RECORD ABOUT AN INDIVIDUAL FROM A SYSTEM OF RECORDS ABSENT THE WRITTEN CONSENT OF THE INDIVIDUAL. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.

16 CFR Part 313 Privacy of consumer financial information governs the treatment of nonpublic information about consumers by the financial institutions. The term nonpublic personal information means personally identifiable financial information. 

16 CFR 313.10 ( A ) ( 1 ) I have NOT been given as the consumer a reasonable opportunity, before the disclosure of my information to nonaffiliated third parties, to opt out of any disclosures.

Lastly, I also invoke my right to erasure ( Articles 17 & 19 of the GDPR ) in which I have the right to have my data erased, without undue delay, by the data controller based on the grounds in these sections.

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