Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently received a copy of my Experian consumer report, and it has come to my attention that Experian is reporting my transactions to my consumer report. There is a lot of inaccurate, incomplete, and fraudulent reporting on my consumer report and I want this addressed immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of EDXXXX XXXX XXXX XXXX Late Payment : XXXX thru XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX Your company is in clear violation of the Privacy Act of 1974. Also, under 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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. 

Did I give you written instructions to furnish this on my consumer report? NO I DID NOT Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, Department of EDXXXX is in violation of 15 USC 1681. The Family Educational Rights and Privacy Act states " the school will not provide my transaction history to any third party company. '' All credit reporting agencies are third party companies and the Department of EducationXXXX has violated The Family Educational Rights and Privacy Act of 1974, it is illegal to report transaction history. Also, in or around XX/XX/XXXX, I sent an Opt Out Letter as a federally protected consumer and my request was ignored. 15 USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not given any disclosures nor the opportunity to opt-out of anything! I have tried over and over again to dispute my consumer report for it's accuracy, completeness, and fraud with no results. There are also inquiries on my consumer report that I do not authorize and demand those to be removed. XXXX ; XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting this account as a charge-off. A charge-off is considered a certificate of indebtedness which means it is income and must be removed. I have disputed these accounts and the credit reporting agencies keep saying the accounts were verified, but I have not received any documentation showing their method of verification. 15 USC 6805 ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. I am demanding these laws be enforced.

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