Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX XXXX ( XXXX ) XXXX phone XXXX XXXX XXXX XXXX XXXX CA XXXX All three credit bureaus violated my federal rights that are federally protected by law under the Fair Credit Reporting act that states that I have a right to privacy, right to accurate and truthful reporting of my data, under the preference that what is reported will and has affect my life. Inaccurate or wrong information reported has and will Cause my life to be negatively affected and in accordance to the law I am protected from such acts. These bureaus are and will be held to higher standards when dealing with the public, keeping in mind the possible implications this could have in a person 's life. The fact that errors wether intentional or not have a very unique effect on some ones life makes upholding these laws a matter of protecting ones constitutional rights, the rights to be an American. The bureaus violated these rights and laws put in to place by Congress when they, reported false or inaccurate information on behalf of XXXX XXXX XXXX negatively impacting not just a credit score but the life style of an American citizen and such an act should not be taken lightly. A second chance to correct error that misrepresented and still misrepresents underlined citizen and the damages done and can not be taken back. What should be done is immediate action to have the bureaus correct there Inaccurates and hope that XXXX XXXX XXXX will be able to over look what damage has been done and be willing to accept the apologies of both the bureaus and the government entity that is in charge of over looking these bureaus to prevent such a thing from happening. The fact that it happened and was only noticed by the client XXXX XXXX XXXX and not by any of the againts in place with there safety procedures until now is a fact that change to the procedures of the bureaus and there governing bodies is not a matter of choice but a matter of urgency to protect the public from mishappens from according again. Resolving this matter will be a step in the right direction for all party 's involved with this matter. XXXX XXXX has the right to privacy and the right to be represented with accurate information and contesting these rights would be an act of treason against the American People. I know this organization has the power to correct the underlined error. Unfortunately they are not able to award financial relief for the damage that this has caused XXXX and his family. We have included a list of law pertaining to this case. Also underlined will be the list of accounts that have been misrepresented in one way or another for one or more of the listed reason. 1 ) client does not have a actual real account with company, 2 ) client did not open account, 3 ) fraudulent account, 4 ) incorrect information on account inclding, A ) posted date B ) opened account date C ) debt owed D ) debt repaid E ) balance still remaining 5 ) Account number 6 ) deity name or address 7 ) date of transfer to new collection agency 8 ) inaccurate information A ) name of client B ) and of collecting agency 9 ) incorrect address or not listed address of collecting agency 9 ) B ) or of client 10 ) incorrect payment information including payments and amounts date time and amounts 11 ) incorrect or not listed names on account inclding collecting agency. 12 ) incorrect or missing address of collecting agency also included clients address missing or incorrect 13 ) no communication with client 14 ) collecting agency missing contact address and number or incorrect 15 ) false account and or error on amount owed or paid 16 ) rejection of documents supporting information to be reported on report 17 ) misleading or missing information on client 18 ) violating F.C.R and laws protecting the public 19 ) missing supporting documents 20 ) missing proof of debt 21 ) none or lack of supporting documents that debt exists 22 ) violation of privacy laws by not doing there do diligence when handling clients underlined case The public has the the right to have these credit bureaus to abide by these laws and procedures. If not proper measure 's should be taken immediately. List of laws that were violated listed below.

15 U.S. Code 1681 - Congressional findings and statement of purpose The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 
Section 1681subsection 602 ,604, c85 1681 S2, S2 1681 S2, C85 15 U.S.C. 1681-1681x 603 - 15 U.S.C. 1681a 1 601. Short title This title may be cited as the Fair Credit Reporting Act.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

( b ) Reasonable procedures. It is the purpose of this title to require that con- sumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, 2 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal character- istics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].

( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consum- er report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the op- portunity, before the time that the information is initially communicated, to direct that such information not be com- municated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indi- rectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 615 [ 1681m ] ; or ( D ) a communication described in subsection ( o ) or ( x ) .1 1 Should be read as ( o ) or ( y ) because section 603 ( x ) was re-designated as 603 ( y ) in 2010 by the CFPA.

NOTICE TO USERS OF CONSUMER REPORTS : OBLIGATIONS OF USERS UNDER THE FCRA The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal obligations. State law may impose additional requirements. The text of the FCRA is set forth in full at the Consumer Financial Protection Bureaus ( CFPB ) website at www.consumerfinance.gov/learnmore. At the end of this document is a list of United States Code citations for the FCRA. Other information about user duties is also available at the CFPBs website. Users must consult the relevant provisions of the FCRA for details about their obligations under the FCRA.

The first section of this summary sets forth the responsibilities imposed by the FCRA on all users of consumer reports. The subsequent sections discuss the duties of users of reports that contain specific types of information, or that are used for certain purposes, and the legal consequences of violations. If you are a furnisher of information to a consumer reporting agency ( CRA ), you have additional obligations and will receive a separate notice from the CRA describing your duties as a furnisher.

I. OBLIGATIONS OF ALL USERS OF CONSUMER REPORTS A. Users Must Have a Permissible Purpose Congress has limited the use of consumer reports to protect consumers privacy. All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 of the FCRA contains a list of the permissible purposes under the law VIII. LIABILITY FOR VIOLATIONS OF THE FCRA Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619.

The Fair Credit Reporting Act is in full support of the American People and will not be broken or bent for corporates to steal the rights away from the people of this great country Accounts that are compromised XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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