Consumer complaint received 2023-11-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have over looked my consumers report from Experian AND XXXX and I find multiple inaccuracies as well as a few violations UNDER THE FCRA. An has notice they have been committing IDENTITY THEFT. First I like to address I am a VICTIM OF IDENTITY THEFT THROUGH THE XXXX BREACH. I also have few accounts that are showing as LATE PAYMENTS. According to THE FCRA ( Fair Credit Reporting Act ) Reporting Transaction history is illegal. I have notified them of these violations. Via phone and certified USPS mail. They have yet to resolve the issue also being I NEVER gave EXPERIAN written consent to furnish anything on to my Consumer report. 

IDENTITY FRAUD- 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying \ninformation of another person without authority. \n Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 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. \n No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation \n 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : \n ( 4 ) There is a need to ensure that consumer reporting agencies exercise \ntheir grave responsibilities with fairness, impartiality, and a respect for the \nconsumers right to privacy. \n ( b ) Reasonable procedures \n It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

As you can see there is a need to protect your right to privacy. \n Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. \n The term consumer means an individual. \n The term consumer report means any written, oral, or other communication of \nany information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living \n ( 2 ) Exclusions \n ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal Which all should be UPDATE to PAID AS AGREE FOR ANY LATE PAYMENTS ON MY CONSUMER REPORT also all debt has been Cancelled according to 1099C that was submitted and approved by the treasury ( see attachment ). 



Accounts XXXX - Should be 100 % on time Payments Paid as agreed - ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal \n\n XXXX XXXX  Account below is reporting 11 illegal reporting transactions history \nalso debt was Discharge according to the US treasury ( See attachment ) - ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal Account below : XXXXXXXX has 25 illegal reporting transaction history \nupdate to 100 % on time payments also debt was Discharge according to the US treasury ( see attachments ) - ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal

Company response to consumer: In progress