Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: TX
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:
is in clear violation of the LAW 15USC 1681 ( 2 ) ( A ) and will face legal consequences if right action is not taken immediately. I obtained a copy of my consumer report and noticed accounts that are not supposed to be there, nor was I notified in writing 5 days prior to such inaccurate data being furnished on my Consumer Report. I never gave any of these person ( s ) listed in my notice written authorization to furnish these accounts or contact your credit reporting agency with any of my nonpublic personal information ( THEY CANT PROVIDE IT ). According to 15USC1681 ( b ) permissible purpose of consumer reports, THE LAW CLEARLY STATES ( 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 whom it relates. By law, the person ( s ) listed below can not contact a third party or credit reporting agency with my nonpublic personal information unless I the consumer gave them written authorization in an original signed consumer agreement between both parties to contact Experian with such information and data. Experian violated 15USC 1681a ( 2 ) ( a ) ( i ) ; Exclusions from a Consumer Report ; ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the FCRA states - the term consumer report does not include all transactions or experiences between the consumer and the person making the report. My transactions and experiences to all of the persons listed above are EXCLUDED from my consumer report which means these accounts and their inaccurate data were not supposed to be furnished to any third party or credit reporting agency ; making all of their data inaccurate. In addition to the violation above Experian also violated 15USC 1681a ( 5 ) ; ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a Consumer, an item of information is found to be inaccurate, incomplete or can not be verified the Consumer Reporting Agency shall ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate based on the results of the reinvestigation and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. These person ( XXXX ) listed failed to provide me with all three of my privacy disclosures before the reporting of such information on my consumer report which is another violation of 15 USC 6802 ( 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.

The person ( s ) involved in this matter violated 15USC 1681a ( 2 ) ( a ) ( i ) 15USC 1681 ( b ) and USC 6802 Section ( b ) along with 18USC 1028 ( A ) and 15USC 1692 ( c ) c which demands the accounts listed be deleted from all third parties or credit reporting agencies due to a result of IDENTITY THEFT. This is my fourth notice to Experian about this matter in over 120 days and if they dont conduct a proper investigation of my dispute they will be more than liable for your willful noncompliance to the FCRA XXXX

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