Consumer complaint received 2023-08-21
Company: Experian Information Solutions Inc.
State: PA
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:
15 U.S. Code 1681- Congressional findings and statement of purpose, a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Reasonable Procedures. It is the purpose of this subchapter to require that consumer reportingagencies 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 subchapter. Further, under 15 U.S. Code 1681a - Definitions : rules of construction, The term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency ( Experian ) bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living... Further, under ( 2 ) EXCLUSIONS, it clearly states except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; So for Experian to continue to furnish my transaction history, experiences and other, as it relates to XXXXXXXX XXXX  XXXX XXXX Account Number XXXX XX/XX/2023, is against the law. " Reporting Transaction History is ILLEGAL. I have tried to resolve this issue with Experian on multiple occasions with no result. I am not asking for an XXXX general response saying that the account has been verified. Verification is not validation. I the natural person is the only one who can validate the factuality of any transaction as it relates to this account. Im not requesting that you run my name and address through a third party consumer reporting agency that is going to give you a generic generated response, I am asking that this account be updated with removal of all missed payment. the IRS defines charge offs as income and your policy is not to report income. By law it is my right to have this information removed. Validation can only be obtained by recording of me signing an instrument agreeing to the terms of a contract, or a physical contract with my wet ink signature starting that i agree to my transactions between XXXXXXXX XXXX  XXXX XXXX and myself to be reported to Experian and or any other third party data furnisher. I can not make it any clearer, Experian is in violation of my rights as a consumer, as well as the fact that the are selling my data in pools they create with others consumer files which the securitize and trade on a regular basis. This is not being reported to the SEC because Experian is considered a foreign entity. If this information is not corrected on my consumer file I will seek other assistance to address this matter. this is notice that i do not give any consent for my transaction history to be shared as it is a violation of my consumer rights. Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Experian XXXX XXXX XXXX XXXX or who ever the entity trustee repressible does not matter please address this matter accordingly

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