Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: MD
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:
Im listing violations i found in my credit records being shared and furnished by and between EXPERIAN XXXX XXXX and other companies without my consent or benefit and the illegal sharing or selling of private information records without my consent in writing from me is unlawful willful and illegal. Also i am attaching the letter sent most recent from disputing unlawful information by agencies since XXXX and i have attached highlighted evidence of companies removing disputed inaccurate unlawful information from my reports. i attached a fee schedule by law of {$1000.00} per violation. To each agency/ company. Again i am attaching Some of the evidence i have and am requesting {$1000.00} per highlighted violation on each page of uploaded evidence of violations and inaccuracies on my reports along with attachments of adverse actions and denials of credit opportunities caused by inaccurate credit reporting. Also XXXX failed to produce any report with in the 30 day requested time frame they basically ignored my request and responded with a computer generated response stating my request was made in error. Violating law willfully. I have attached a printout of XXXX credit reporting for CFPB viewing of inaccurate outdated information and illegal reporting of payment histories non criminal information reporting etc., 15 U.S. Code 1681b - Permissible purposes of consumer reports 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 -no consent violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ). Violations of the 1974 Privacy Act 15 U.S. Code 1681., 15 U.S. Code 1681c2., 15 U.S. Code 1681n - Civil liability for willful noncompliance I have to file more than 1 complaint that is wilful noncompliance after i have noticed them all multiple times of the law, Every company in their agreements with consumers said they would follow the law and agreed to do so They are aware that they are breaking the law. 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681s2 ( A ) violations of the Fair Credit Reporting Act and Privacy Act of 1974 ( 5 U.S. Code 552a ) ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' 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 section 1681b of this title. Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

I have redacted as much private information as possible. See uploads of redacted letter sent and evidence in support of my request for monetary remedy. All of this has damaged me negatively willfully over a long period of time continually despite my attempts at correcting the errors. See attached letter for full ( 40 ) numbered items on credit reports that consumer law states im owed {$1000.00} per violation for.

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