Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: HI
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:
In accordance with the Fair Credit Reporting Act the list of adverse accounts below reported inaccurate information and has violated my Federally Protected by U.S. Congress consumer rights to Privacy and Confidentiality Under the Fair Credit Reporting Act and 15 U.S. Code 1681 Adverse Accounts List- ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( reporting 2 different accounts remove immediately ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681.- Congressional Findings and Statement Purpose ( a ) Accuracy and Fairness of Credit Reporting ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave RESPONSIBILITIES with FAIRNESS , IMAPARCIALITY, and a RESPECT for the CONSUMER 'S RIGHT TO PRIVACY. 
( Which in this case the consumer is I, XXXX XXXX XXXX XXXX who has a right to Privacy of my information Under the Law and all accounts listed above I demand to have removed from my credit report ) 15 U.S. Code 1681b.- Permissible purpose of consumer reports ( 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 to WHOM IT RELATES. 
( Which in this case the consumer is I, XXXX XXXX XXXX XXXX gave no person, person 's, business, businesses, or entities any written instructions to furnish information of accounts listed above on my credit report! which is a violation of the law and I demand to have it removed permanently from my credit report ) 15 U.S. Code 1681c. Requirements relating to information contained in consumer reports. 
( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following : ( 5 ) Any adverse item of information, other then records of convictions of crimes which antedates the report by more than seven years. 
( Which in this case all accounts listed above in the " Adverse List Section '' of this complaint is adverse items of information reporting on my credit report and is a violation of the Law and must be removed ) 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 
A person shall not furnish any information relating to a consumer to ANY consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( Which in this case all accounts listed above need to be removed from my credit report immediately ) Thank for your cooperation

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