Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: FL
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:
The following companies, accounts, and agencies are in direct violation of the law and have directly violated my right to privacy under the laws cited below. Furthermore have not removed the inaccurate information after invoking and citing my right to privacy they have continued to violate my right to privacy and have caused damages to my character and ability to furnish credit : Theses companies are listed below. 
Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent disputes on XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Experian, XXXX, and XXXX for violation of the laws and my rights which I am again exercising my right to privacy and am requesting the items discussed here are removed and deleted not updated with more inaccurate information, Each updated accounts continues to break the law, as the updated information continues to report inaccurately. Under the FCRA, credit reporting agencies are required to provide accurate and complete information about consumers to those who request credit reports, they have failed to do so, these companies have also removed accounts requested in the past only to report them again after deleting them, with no notice or reason. XXXX, Experian, and XXXX and the companies above continue to break the following laws. XXXX ( a ) ( XXXX ) Prompt notice of dispute to furnisher of information. This law clearly states the agency shall provide notification of the dispute to any person who provided any item of information in dispute, ( I am the individual that provided the information in the dispute ) at the address and in the manner established with the person before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer. This law states again the agency is provide notification at the address. I never received notification according to this law at my address within the 5 business days. Experian, XXXX, and XXXX have also failed to abide by 15 USC 1681b ( a ) 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. I have never given written instructions to any company about any information on any account that they are reporting other than what is inaccurate and needs to be removed. The law clearly states UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER. XXXX, XXXX, and Experian are blatantly breaking this law and have never received instruction in any form written or verbally. Further the law defines XXXX report as the following : ( XXXX ) In general. The term consumer report means any written, oral, or other communication of any 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 which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. I have never given any written instructions to these agencies to report the items in questions for the purpose of serving as a factor in establishing my eligibility for credit. This again is a direct violation of the law. Under 15 USC 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. These companies are directly violating my rights, and I have continued to address this to no avail. After calling these agencies, sending multiple letters for over a year to these agencies, and even speaking with office affairs, these laws continue to be broken, and my right to privacy continues to be violated.

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