Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: GA
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:
Section 1681b ( b ) ( 1 ) of Title 15 of the United States Code ( also known as the Fair Credit Reporting Act ) specifies the permissible purposes for which consumer credit reports can be obtained.

Section 1681b ( b ) ( 2 ) then lists exceptions to the general rule, which allow credit reporting agencies to provide credit reports for other purposes, such as employment screening or insurance underwriting, under certain conditions.

under 15 us code 1681e ( b ) and 15 u.s code 1681 ( 5 ) this account in violation not reporting 100 % accurate it list the child support court as furnisher thats forgery and misleading when the court dont report this account is identity theft.

under 15 us code 1681b permissible purpose of consumer report. i never gave you written consent to report anything on my reports no consent is identity theft.

under 15 usc 1681i ( 7 ) method of verification this account is in violation it was reported without evidence.

the credit report is not accurate wrong accounts i have attach, ftc report, and my ID AND SOCIAL and a credit report showing its reporting wrong information and you will need to remove this asap the child support on my report are not accurate account XXXX Account Type - Detail is wrong, XXXX and XXXX is stating its child support but Experian is stating family support.!!! that wrong and i will like for the entire account remove because its in violation, 15 us code 1681e ( b ) and 15 u.s code 1681 ( 5 ) that's proof. also Monthly Payment is wrong XXXX states my monthly payment is XXXX but XXXX and experian pay XXXX this is another violation. 
The open date is wrong!!!! XXXX state it was open XXXX but XXXX and experian state it was open XXXX this is another violation of my rights. 

XXXX has state that i haven't been active since 2020 meaning made no payments, yet XXXX and experian states on my credit report i been active since XXXX XXXX has been not reporting correctly and has said i was late since 2020 lowering my credit score and in violation Section 1681b ( b ) ( 2 ) then lists exceptions to the general rule, which allow credit reporting agencies to provide credit reports for other purposes, such as employment screening or insurance underwriting, under certain conditions.

under 15 us code 1681e ( b ) and 15 u.s code 1681 ( 5 ) this account in violation not reporting 100 % accurate it list the child support court as furnisher thats forgery and misleading when the court dont report this account is identity theft.

under 15 us code 1681b permissible purpose of consumer report. i never gave you written consent to report anything on my reports no consent is identity theft.

under 15 usc 1681i ( 7 ) method of verification this account is in violation it was reported without evidence.

this entire account should be remove!!! 

XXXX has been reporting account that is not mine on my account and have not updated their records!!! XXXX XXXX This is not my account i have a FTC report stated this and i will like this remove!!! 
equifx is the only company reporting this false account on my report.. XXXX remove this account.. 
remove this account XXXX this is not my account!!! please remove it please remove this number from my credit report XXXX this is not my home address XXXX XXXX XXXX XXXX, TN XXXX please remove this now!!!!! 

recent correspondence regarding the State of Tennessee Department of Human Services ' verification of my consumer report without my consent. As a consumer, I believe that this action violated several provisions of the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, companies are required to obtain the consumer 's consent before obtaining a consumer report for employment, credit, or insurance purposes. In my case, the Department of Human Services obtained my consumer report without my consent, which may have violated Section 604 ( a ) ( 3 ) ( A ) of the FCRA.

Additionally, Section 604 ( b ) of the FCRA requires companies to disclose the permissible purposes for which they are obtaining a consumer report. If the Department of Human Services obtained my consumer report for a purpose that is not allowed under Section 604 ( b ), they may have violated this provision of the law as well.

Furthermore, Section 607 ( b ) of the FCRA requires companies to have a permissible purpose and to take reasonable steps to ensure that the information contained in the consumer report is accurate. If the Department of Human Services obtained my consumer report for an impermissible purpose, or if the report contained inaccurate information, they may have violated this provision as well.

Based on these violations of the FCRA, I would like to dispute any inaccurate or incomplete information contained in my consumer report, and I may seek damages for any violations of the law.

I am requesting that the Department of Human Services be blocked from further reporting or disclosing my consumer report.

I have evidence that the Department of Human Services has not only obtained my consumer report without my consent but also verified inaccurate information on the report. This violates my rights under the FCRA and has caused me harm.

As a result, I am requesting that the Department of Human Services correct any inaccurate information on my consumer report and remove any information that violates the FCRA. Furthermore, I am requesting that the Department of Human Services be blocked from further reporting or disclosing my consumer report, as their past actions demonstrate a disregard for my rights as a consumer.

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