Consumer complaint received 2022-10-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My right to have a fair and equitable consumer report has been and continues to be violated by Experian. I contacted Experian by mail on XX/XX/2022 with instructions to make corrections on my consumer report. They received the instructions on XX/XX/2022. Attached is a copy of that letter along with a copy of the certified mail return receipt. Yesterday, at XXXX, I called and the representatives said there is nothing they can do. I requested a supervisor and waited on hold for about XXXX XXXX, the agent did return periodically to apologize for the wait, before the agent requested I be scheduled for a call back this evening. I never received a call back so I need to make a few things clear. Credit reporting agencies such as Experian are defined by the Graham Leach Bliley Act as financial institutions subject to its rule making authority pursuant 15 USC 6804.

Experian is not upholding its role pursuant 15 USC 1681. You are not upholding your grave responsibilities with fairness, impartiality, and respect for my right to privacy in the vital role you assumed in collecting, storing, assembling, and sharing an accurate and equitable consumer credit profile on my behalf. This is MY consumer credit profile. Reporting inaccurate information is a discriminatory practice and is prohibited pursuant the Equal Credit Opportunity Act. Any person furnishing any information on a consumer report is historically voluntary. Any information contained therein must be verified by ME especially when you, Experian, fail in you responsibilities. This failure includes but is not limited to : A violation pursuant 15 USC 1681a ( 2 ) ( a ) ( i )- Experian continues to furnish reports containing my transactions and experiences. Debt utilization, payment history, inquires, and credit card balances are a few examples of transactions and experiences. 
A violation pursuant 15 USC 1681c ( a ) ( 5 ) - Any adverse information shall be excluded from the consumer report. If I say the information is adverse then you must remove it.

You are subject civil liability pursuant 15 USC 1681n and 15 USC 1681o.

A violation of 15 USC 1692c- You are acting in capacity of a debt collector when you communicate/ advertise my debt utilization. My consumer report is a form of communication. Advertising my debt utilization is an attempt to coerce payment of the alleged debt.

The provisions of 15 USC 6801 ( a ) this requires financial institutions to notify consumers of their information sharing practices and provide a right to opt out of certain sharing. I never received an opportunity to opt out of certain sharing from Experian. 
A violation of 15 USC 6802- You communicated my nonpublic personal information to unaffiliated 3rd parties without my consent and without giving me the opportunity to direct such information not be disclosed. All of the information contained in my consumer report is nonpublic personal information unless I give you permission. All parties are unaffiliated 3rd parties. This is MY consumer report. Reporting any information without my permission is identity theft. 
These are just a few examples of the unlawful activity committed against me by Experian.

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