Consumer complaint received 2021-06-12
Company: Experian Information Solutions Inc.
State: GA
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:
This complaint is referring to the complaint I sent on XX/XX/2021, compliant ID # XXXX, which was a complaint about Experian. Experian responded back to my complaint, stating This complaint lists someone the company does not recognize as their customer or their customers authorized representative, which is inaccurate and false information. I assure you that I, XXXX XXXX, am the only person and Representative on account XXXX. I have attached documents to support my allegation that I, XXXX XXXX, am the only person on that account. This is an attempt to resubmit my complaint. I, XXXX XXXX, is being violated as a consumer by Transunion and Experian. These credit reporting agencies has added account XXXX from XXXX XXXX to my credit report. Fact, According to 15 U.S. Code 1681a ( d ) ( 2 ), a consumer report does NOT include - ( A ) any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This is the first violation that was committed. You willingly and knowingly reported accounts that is solely as to transactions and experiences between I, the consumer, and the person making the report. Fact, According to the law, that is suppose to be excluded from the credit report. 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( 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 opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. I was never given an opportunity to give my consent before the initial communication. Fact, According to 15 US Code 1681a ( e ), a credit reporting agency may not include any specific factual information on my credit report record that was obtained directly from any creditor or from me, which is exactly what has happened already. They have including specific factual information on my credit report, which is a violation. Fact, According to 15 US Code 1681a ( d ) ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Transunion and Experian has violated 15 UC Code 1681a by placing a credit card on my credit report, which is suppose to be excluded. 
Below is a screenshot of Experian response yo me last complaint, along with a screenshot of my name that is in the Experian database, the account that is being violated in Experian database, and my ID to prove that I am the person whos name is on the account in Experian database.

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