Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: NC
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 said companies ; XXXX, XXXX, and Experian are consumer reporting agencies and I am the Consumer. They are reporting without my permission, or without a permissible purpose by law. XXXX, XXXX and Experian are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.Code 1681b ( a ) 3 ( f ) ( i ). 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. Ind. 2003 ) They all are unlawfully reporting a student loan that is paid in full on my consumer report, and reporting outdated personal information. I have not given them permission to access my credit profile and have no permissible purpose by law to contact third parties with my private or personal information. 

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. According to the Fair Credit Reporting Act 15 U. S. Code 1681 section 602. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I demand a deletion of all personal information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, Nc XXXX I demand the deletion of all other addresses, I never reside there, and update the address with the one above.

Delete all information in the employer section. Never gave them permission to report that.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

15 U.S. Code 1681s-2 ( A ) ( 1 ) A states ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 15 U.S. Code 1681e states ( a ) Identity and purposes of credit users Every Consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 
XXXX, XXXX, and Experian are not maintaining reasonable procedures, they do not have my consent to furnish this information and they surely do not have my written consent. 

The student loan from XXXX needs to be updated to paid in full. 
XXXX addrsess XXXX XXXX XXXX XXXX MO XXXX XXXX blocked me from viewing my report so i couldn't upload my report

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