Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: SC
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

Complaint:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) emphasizes the critical role of accurate credit reporting in our banking system. Inaccurate reports hinder banking efficiency and erode public trust. Any FCRA violation impairs this system. It infringes on my privacy regarding my consumer report, as I should control its content. Reporting accounts without my written consent constitutes identity theft. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. I know for FACT I did not give nor do you have my written instructions to furnish my information. Since I did not give you written consent to do such, that is identity theft. 
I, XXXX XXXX state that the information you are reporting is not information relating to any transaction that I made by myself. 

These inaccuracies have severely impacted my family and me. They can lead to dire consequences, such as job loss due to credit denials or the inability to secure a home. These hardships underscore the harm caused. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses.

( 1 ) In general.Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

I never gave anybody written consent or permission to knowingly possessed, uses, transfer without lawful authority which is Identity theft, WHICH IS LAW! I DO NOT NEED A POLICE REPORT TO FILE A IDENTITY THEFT REPORT. 

Furthermore, these actions open the door to civil liability under 15 U.S. Code 1681n, allowing for {$1000.00} per violation when accounts are reported without my explicit written consent. 

I've recently dispute these inaccuracies and this is my final time before filling litagations. I expect a written response within 4 days. Failure to do so will force me to escalate this matter, involving regulatory authorities and pursuing legal remedies under the FCRA.

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 non-monetary relief