Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Checked my credit report in XX/XX/XXXX saw fraudulent accounts on my credit report. I reported these fraudulent accounts to XXXX, XXXX Experian and These accounts are still on my credit report. I also checked my credit report in XX/XX/XXXX and saw a fraudulent utility bill. These XXXX fraudulent accounts are with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There are fraudulent addresses on my credit reports. My address is XXXX XXXX XXXX XXXX, XXXX, Oh XXXX. The following addresses are NOT MINE... XXXX XXXX XXXX XXXX, XXXX Ohio XXXX, XXXX XXXX XXXX XXXX, XXXX, Oh XXXX, XXXX XXXX XXXX XXXX, XXXX, Oh XXXX. The following Name isn't Mine, XXXX XXXX. 

FACT, under Title 15 USC 6802- Obligations with respect to disclosures of personal information, ( 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 as a consumer have the right to opt out of having this information reported. I as a consumer was NOT given a opportunity to opt out before the time that These Companies disclosed information to EXPERIAN, XXXX, XXXX & I wasnt given the opportunity to direct that such information not be disclosed to EXPERIAN, XXXX, XXXX or ANY OTHER Third Party. 

EXPERIAN, XXXX, XXXX has violated the affiants consumer rights in accordance with TITLE 15 USC 1681b. 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer to whom it relates. I as a consumer in fact have NEVER given EXPERIAN, XXXX, XXXX Any written consent or instructions to report anything on My consumer report nor to furnish a consumer report and communicate any personal information with any other third party agency. 
No consent means identity theft. 
I, Consumer in fact, demands that EXPERIAN, XXXX, XXXX provide documentary evidence of the affiant 's wet ink signature stating otherwise. In accordance with 15 USC 1681a ( e ), a investigation on a Consumer Report means in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer and such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. I, consumer in fact, demands EXPERIAN, XXXX, XXXX shows documentary evidence of the method of verification EXPERIAN, XXXX, XXXX used to verify the reports on My consumer report pursuant to TITLE 15 USC 1681a ( e ). Include the exact names, addresses and dates of everyone interviewed.

FACT, Pursuant to 15 USC 1681 ( a ) ( 4 ) 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. EXPERIAN, XXXX, XXXX did NOT exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy and in fact Violated My Privacy.

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