Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly 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 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX. Validate Inaccurate/Reported Late payment XXXX  Account Number : XXXX Please remove inaccurate reported late payments. Update to paid as agreed XXXX. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to paid as agreed XXXX. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to paid as agreed XXXX. Identity Theft XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 
XXXX. Validate Inaccurate/Reported Late payment XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 
XXXX. Validate Inaccurate/Reported Late payment XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to paid as agreed XXXX there is some inaccurate information reporting. 
XXXX SELF-REPORTED Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
UTILITY SELF-REPORTED Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX SELF-REPORTED Account Number : XXXX Please remove it from my credit report.

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