Consumer complaint received 2023-04-29
Company: Experian Information Solutions Inc.
State: IL
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:
I recently went through my consumer report attached the my social ending in XXXX. 
I noticed that there was an alleged debt reported by a 3rd party debt collector. I researched and read some laws pertaining to Consumer Reporting Agencies. In the Permissible purposes section of the FCRA, which is an exclusive list of " permissible purposes '' for which Consumer Reporting Agencies can furnish a report and are not allowed to furnish under any other circumstances. 
An example is in accordance with the writing instruction of the consumer to whom the report relates to. 

I Never gave XXXX or Experian the written instruction or Permission to report the alleged debt by SST to my consumer report. If XXXXExperian can provide written instruction by me the consumer, please provide proof of it. If it can not be produced, that is a direct violation and the account being reported by SST shall be deleted. 

Furthermore, in the congressional findings section, congress requires Consumer Reporting Agencies to adopt reasonable procedures to meet the needs of commerce in a manner which is fair and equitable with regard to confidentiality and accuracy among other things. 

I'm not sure what procedure was being followed when they reported an unverifiable and unvalidated debt to my consumer report for profit between XXXX, Experian and SST. 

XXXX and Experian are behaving unfair by selling millions of consumers ' data while violating federally protected consumer rights, earning millions of dollars per year in revenue ( according to the XXXX and XXXX fillings ) while denying my right to have inaccurate and unverifiable information removed from my consumer report while profiting off of said inaccurate information. 

Also, this Alleged account SST reported me to have with them was reported as 90 days late, but in my attached Consumer report, there is no payment history in the last year with this company let alone the last 90-120 days. How can I be late to pay a company that I have no payment history with? Reference My Payment history with the Other installment accounts I have and there's a full payment history, yet SST claims I'm 90 days late but there's no payment history and no proof of alleged debt have not been provided to me or XXXXExperian. This company knowingly reported false information to XXXXExperian and XXXX/Experian willing accepted and reported false information which they didn't investigate properly. 

This reporting of alleged debt, has affected my ability to extend and receive credit/financial assets which directly impairs the efficiency of the banking system. 

Attached is my recent : XXXX Consumer Report. 
Cease and Desist letter I sent to debt collector ( which they have not repsonded to but updated the status of the alleged account ) and Certified Mail Receipts.

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