Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Credit Reporting Agency EXPERIAN INFORMATION SERVICES is in violation of 15USC1681 ( 2 ) ( A ) for furnishing inaccurate accounts on my consumer reporting without notifying me 5 days prior along with 15USC 1681a ( 5 ) for not conducting a proper investigation and providing the requested original signed consumer agreement to the person ( s ) who furnished the accounts on my list of disputed items included my notice sent to them. Not only do they refuse to comply with the FCRA rules and regulations enforced, they suggested I am working with a credit repair agency when I have contacted them directly and provided documentation to verify my identity in all of my notices. Most of the accounts are well over 7 years reported and had no business being furnished due to the information being a result of IDENTITY THEFT without my written consent to contact any credit reporting agency. According to 15USC 1681 ( b ) ; permissible purpose of consumer reports, THE LAW CLEARLY STATES 2 ) In accordance with the written instructions of the consumer whom it relates. 
I never gave these person ( s ) who contacted you with my nonpublic personal information written authorization or permissible purpose to furnish these accounts or any transactions on my report which indicates they used a means of identification of me without my permission. My consumer rights were violated from both parties and according to 15USC 1681E ( b ), which speaks on Maximum Accuracy of the Consumer Report, Experian must remove this inaccurate information off of my consumer report or they will be liable for their willful noncompliance to the FCRA. 
The burden of proof of anything is not on me the consumer when they failed to ask each person for a signed consumer agreement before these incomplete accounts were reported like they were supposed to do, instead they just saw if the information was the same and considered it verified which does to validate any alleged debt on my report. Since the persons making the report to EXPERIAN INFORMATION SERVICES failed to provide me with all three of my privacy disclosures ( A-C ) with respect to such information being furnished to any third party pursuant to this section of the law ; USC 6802 Section ( b ) OPT OUT ( 1 ) InGeneralA 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. 
Furthermore, according to 15USC 1681a ( 2 ) ( a ) ( i ) ; Exclusions from a consumer report ; My transactions or experiences to these person ( s ) are EXCLUDED from my consumer report This violation of 15USC 1681a ( 2 ) ( a ) ( i ) makes all the following accounts and the data furnished inaccurate because the LAW states my transactions or experiences to these person ( s ) are excluded from my consumer report, which means such information is not to be furnished, regardless if your investigation to any of these accounts result as verified or accurate reporting. The person ( s ) who furnished the following accounts and all of its data to you the third party or credit reporting agency violated ; 15USC 1681 ( b ) - 15USC 1681a ( 2 ) ( a ) ( i ) - USC 6802 Section ( b ) in which, the LAW DEMANDS these accounts and all of its data be removed or you will be liable : BY LAW ALL THE ACCOUNTS LISTED MUST BE DELETED FROM MY EXPERIAN CREDIT REPORT BECAUSE THE PERSON ALONG WITH THE CREDIT REPORTING AGENCY ARE IN SEVERAL VIOLATIONS OF LAW.

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