Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: CA
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:
Name of Account Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hey my name is XXXX, I am not working with a 3rd party nor a credit repair company. I am, sending this letter myself. I have studied my consumer rights. Youre a credit reporting agency that needs to perform lawful acts! Youre violating my consumer rights! Under the FCRA 15 U.S. Code 1681- Congressional findings and statement of purpose, Accuracy and fairness of credit reporting! IT MUST BE ACCURATE! IT MUST BE FAIR! IF NOT, THEN IT NEEDS TO BE DELETED FROM MY CONSUMER REPORT! 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. You never received my permission to release my information pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) I have never given you my written instructions. Please show me proof that I gave you permissible purpose to furnish debt on to my consumer report. Pursuant to 15 U.S.C 1681 section 602 A. States I have the right to privacy. Please follow the rules, or I will have to seek litigation as it only cost XXXX XXXX to take you to court! Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.I NEVER GAVE MY CONSENT SO THIS IS NOT FAIR NOR ACCURATE! DELETE NOW! 

Permissible purpose = written instructions With permissible purpose = consent Without permissible purpose = Identity Theft YOU DO NOT HAVE written permission or instructions for the identified transactions to be reported on my consumer report. I demand the following accounts be removed immediately. I DO NOT CONSENT TO E-OSCAR VERIFICATION I will also be seeking {$1000.00} per violation for : 15 U.S. Code 1681i ( iii ) ( 7 ) Description of reinvestigation procedure 15 U.S. Code 1681n 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report. Transactions and experiences are not included on my credit report 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports YOU DO NOT HAVE MY written instructions 15 U.S. Code 1681 ( B ) ( E ) FALSE INFORMATION 15 U.S. Code 1681b DID NOT USE MANNER WHICH IS FAIR AND EQUITABLE TO THE CONSUMER IN REPORTING NEGATIVE ALLEGATIONS WITHOUT WRITTEN PERMISSION 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes 15 U.S.C 1681 section 602 A. States I have the right to privacy I demand the following accounts be removed immediately

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