Consumer complaint received 2023-03-12
Company: Experian Information Solutions Inc.
State: NY
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:
these credit reporting agencies are in total violation of my consumer rights under all of the laws i have stated here they need to be held accountable under the color of law as they continue to violate my rights i have tryed many times to dispute with them about these accounts with not so much as a change to my consumer report i have told all of the listed accounts that i opt out of any of them to report this information on MY consumer report yet my written exemption from them posting to MY CRFEDIT REPORT have gone ignored i ask that you please look and see the evidence i have given here as my rights are continuously being violated and this is the only course of action i have to help me i have posted every law that they keep violated they must be held up to the rules set forth by congress I have sent you a letter asking you to please investigate the enclosed accounts to make sure that there are no inaccuracies and that you investigate each account so that you can clean up my credit report I would like to know how these accounts were verified and to whom did you speak, did you speak to any of my neighbors was anybody in my family contacted so that you can verify these accounts?

According to 15 USC 1681 ( A ) ( E ) the term investigate consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living, is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information however such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer 15 USC 1681 subdivision ( a ) accuracy and fairness of credit reporting. consumer reporting agencies have assumed a vital role in assembling evaluating consumer credit and other information on consumers there is a need to ensure that consumer reporting agency exercised a grave responsibility with fairness impartiality and respect for the consumers right to privacy.

15 USC 1611 criminal liability for willful and knowing violation.

whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issue there under.

15 USC 1682 ( B ) In general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates, and I gave no one my written permission to write anything on my consumer report.

15 USC 1681 I procedure in case of disputed accuracy ( 2 ) prompt notice of dispute to furnisher of information Before the expiration of the five-business days. Beginning on the date on which a consumer reported agency receives notice of a dispute from any consumer or reseller in accordance with paragraph one the agency shall provide notification of the dispute to any person who provided any item of information and dispute had the address and, in the manner, established with the person the notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller ( A ) If after any reinvestigation under paragraph one of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modified it item of information as appropriate based on the results of the reinvestigation and promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer I feel that I have been violated of my rights and that each consumer reporting agency has to notify each other of the inaccuracy per the F DCPA and I feel that you guys are not communicating with each other as in closed are all of the inaccuracies that I asked you to investigate on my behalf and I gave no one permission to write any of this on my credit report which is against the law product FCRN and FD CPA my rights are being violated and I asked that you fix these inaccuracies as this is my second attempt to show you that these inaccuracy are across all three credit bureaus I'm just a regular person who knows and understands the laws and my rights as a consumer I have a right to privacy I have a right to have everything reported on my credit report 100 % accurate per the fair credit reporting act written by Congress and I ask that you please remove all and I mean every single inaccuracy and delete them he immediately before the point of litigation and I asked that you every single inaccuracy off of all three credit reports as you are bound by law to cooperate with the consumer and talk to each other experience XXXX and XXXX so that you can delete all of the inaccuracies on my credit report I have enclosed copy of my last dispute and I also enclosed copies of my credit report and all the inaccuracies therein I ask that you delete these accounts immediately as they do not report accurately across all three credit bureaus ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX According to the fair credit reporting act the above creditors/persons/ entities have violated my rights 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 S-2 responsibilities of furnishers of information to consumer reporting agencies ( E ) duty of person after receiving notice of dispute After receiving notice of dispute from a consumer person to subparagraph D the person that provided the information in dispute to a consumer reporting agency shall conduct an investigation with respect to the disputed information review all relevant conduct an investigation with respect to the disputed information review all relevant information provided by the consumer with the notice complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681 I A I asked that you not give any third party such as credit bureaus any of my personal information as is my right as a consumer. 15 USC 6802 subsection ( A ) notice of requirement states, except as otherwise.

15 USC 6802 SUB SECTION ( A ) NOTICE OF REQUIREMENTS Except as otherwise provided in this subchapter a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer, a notice that complies with section 6803 of this title.

( B ) OPT OUT ( 1 ) in general, a financial institution may not disclose nonpublic personal information to non-affiliate third parties unless ( A ) such financial institution clearly and conspicuously discloses, to the consumer, in writing or in electric form or other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third parties ( B ) the consumer is given the opportunity that such information is initially disclosed to direct that such information may not be disclosed to such third party and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option I opt out of any disclosures to any third parties or non-affiliates of this financial institution any credit unions credit bureaus credit reporting agencies I do not give any written permission to XXXX XXXX XXXX and its affiliates to disclose my personal information as I have a right to privacy and my personal information is solely mine.

15 USC 45 PRIVACY MISSION OF FTC 5 USC552a PRIVACY ACT OF 1974 15 USC 6802 6809 GRAMM LEACH- BLILEY ACT 15 USC 1681 FCRA I opt out of any disclosures to any third parties I ask that you remove any reports that you have given to a third party to place on my consumer report that means XXXX XXXX Experian and all other credit reporting agencies I opt out! I have given you in writing My unwillingness to allow you to give third parties and non-affiliates any of my personal information I ask that you remove from my consumer report on all platforms any information that you as a financial institution has given to a non-affiliate expeditiously remove all of my personal information from all credit reports and data furnishing firms! I opt out!!!!!! yours truly XXXX XXXX. 
provided in this subchapter a financial institution or creditor may not directly or through any affiliate disclose to a nonaffiliated third party any non-public personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( B ) opt out one in general a financial institution or debt collector may not disclose nonpublic personal information to nonaffiliated third parties unless hey such financial institution or debt collector 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 that such information is and neatly disclosed to direct that such information may not be disclosed to such third parties and ( C ) the consumer is giving an explanation of how the consumer can exercise that non-disclosure.

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