Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern Re : Violations of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) To Whom It May Concern, I am writing to bring to your attention multiple violations of federal laws committed by XXXX, Experian, and XXXX that have resulted in unauthorized and inaccurate reporting of my personal information. These violations are in direct contravention of the Fair Credit Reporting Act ( FCRA ), XXXX5 USC 1681, the Gramm-Leach-Bliley Act ( GLBA ), 15 USC 6801, and associated regulations, particularly 12 CFR 1016.7. 
* Unauthorized Sharing of Personal InformationAccording to 15 USC 6801, it is the policy of Congress that each financial institution, which includes Furnisher of Information to Credit Agencies, has an obligation to respect the privacy of its customers and protect the confidentiality of their nonpublic personal information. Despite this, neither [ Furnisher of Information to Credit Agencies ], nor XXXX and Experian, obtained my written consent to furnish my personal information. Furthermore, 15 USC 1681 section 604 ( a ) ( 2 ) unequivocally states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. As such, any consent provided, whether implicit or otherwise, is hereby revoked.Relevant USC and CFR codes : 15 USC 6801, 15 USC 1681 section 604 ( a ) ( 2 ), 12 CFR 1016.7 * Failure to Inform of Nondisclosure Option15 USC 6802 ( b ) ( c ) dictates that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how to exercise their nondisclosure option. [ Furnisher of Information to Credit Agencies ] failed to inform me of my right to exercise this option, thereby breaching this legal requirement.Relevant USC and CFR codes : 15 USC 6802 ( b ) ( c ) * Reporting of Unauthorized Adverse ItemPer 15 USC 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse information in a consumer report without authorization, unless it falls under specific exceptions, which do not apply in this case. XXXX and Experian are reporting adverse information without my permission, a clear violation of the law.Relevant USC code : 15 USC 1681c ( a ) ( 5 ) * Failure to Maintain Reasonable Procedures15 U.S. Code 1681s2 ( A ) ( 1 ) explicitly states that a person shall not furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX and Experian are in breach of this provision by furnishing inaccurate information. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies must maintain reasonable procedures to avoid violations of FCRA. XXXX and Experian have failed to maintain such procedures.Relevant USC codes : 15 U.S. Code 1681s2 ( A ) ( 1 ), 15 U.S. Code 1681e In light of these serious violations of federal law, I demand immediate action to rectify these issues and ensure that my personal information is not inaccurately reported and shared without my explicit written consent. I am seeking the maximum penalty of {$1000.00} per violation, as allowed by law. 

Per the fcra as a federally protection consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal non verbal per 15 usc 6802 I am also invoking my right under 12 CFR 1016.7 to opt out of your reporting services with immediate effect. been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.I look forward to a prompt resolution of this matter. Please acknowledge the receipt of this complaint and inform me of the steps you will be taking to address these violations. 

All violations attached on and circled on Consumer report I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

Remove any old or Un Mailable Address only correct resident address is XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice. 
Sincerely XXXX XXXX DOB : XX/XX/1984 Last 4: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