Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: SC
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 am writing to file a formal complaint as a federally protected consumer against XXXX, Experian, XXXX, for multiple violations of federal laws governing consumer rights and privacy. 

1. Violation of 15 U.S.C. 6802 ( b ) & 16 CFR 313.3 - Opt Out : I have exercised my rights under 15 U.S.C. 6802 ( b ) to opt out of any authorizations, written, unwritten, verbal, or non-verbal. With XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX These companies are in violation of 15 U.S.C. 6802 ( b ) they have provided my information to XXXX, Experian, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX are third party companies The credit reporting agency have been violating this on my report for years and months. 


XXXX. Violation of the Privacy Act of 1974 : The credit reporting agencies have violated the Privacy Act of 1974 by mishandling and disclosing my personal information without proper authorization. Also including the above accounts. 

XXXX. Reporting Student Loans- Violation of FERPA : The reporting of student loans by these agencies is a direct violation of the Family Educational Rights and Privacy Act ( FERPA ), as it compromises the confidentiality of educational records. XXXX/department of Education should be removed from my consumer report. 

4. Reporting Inaccuracies per FCRA and 15 U.S.C. 1692 : XXXX, Experian, and XXXX are not aligned and have been reporting inaccuracies, contrary to the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1692. 

5. Charge Offs as Certificates of Indebtedness : Charging off debts as certificates of indebtedness and considering them as income is a violation of federal law. 
All charge off removed 6. Illegal Reporting of Transaction History per 15 U.S.C. 1666 : The agencies have been illegally reporting transaction history, contravening 15 U.S.C. 1666 and the Fair Credit Billing Act.

7. Violation of 15 U.S.C. 1681b - Permissible Purpose of Consumer Reports : All inquiries on my consumer report were made without proper permissible purpose, as I have not provided written permission or instruction. Please remove asap. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. Proof of Identity Theft : I have proof of identity theft, yet XXXX, Experian, XXXX, have failed to take appropriate actions or provide evidence of a valid contract from the parties in question. 

9. Lack of Valid Contract : XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX have not presented a valid contract between me and their respective companies. 

This extensive list of violations encompasses the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Privacy Act of 1974, and other relevant federal laws. I am seeking an immediate investigation into these matters and appropriate actions taken against the aforementioned entities. 

These accounts should be removed immediately. I have suffered emotional damages and distress because my career checks my consumer report. I lost my career which caused me and my family to suffer from homeless. Which we were living out my car then XXXX night that was repossessed from me in the middle of the night when I visited a family member and me and my XXXX children were officially homeless. 

I would like to address a matter concerning my account with XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX loan account ending XXXX and I kindly request your attention to rectify an error in reporting. 

I have identified a billing error as per 15 U.S.C. 1666. Specifically, I am requesting that my account status be updated to " Paid as Agreed. '' It has come to my attention that the current reporting of transaction history is in violation of applicable federal laws.

Under the provisions of 15 U.S.C. 1666, any billing errors must be promptly corrected by the creditor. Therefore, I am formally requesting that you update my account status to accurately reflect the agreed-upon payment terms. 

Below I have uploaded my consumer report for evidence and a few letters opting out notice to the creditors.

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