Consumer complaint received 2023-06-02
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Every time you say this information came back verified I have never seen a contract with my WRITTEN CONSENT if you cant provide me documentation stop trying to make me do you guys job. These are the items thats are inaccurate and are improperly being used on MY CONSUMER REPORT. XXXX XXXX XXXX Account Number : XXXX I had requested that this account be verified and I have not seen any proof from you that it was. I need all proof regarding the previous dispute including the data provided to you that this account is accurate. 
The following accounts is not mine XXXX XXXX XXXX XXXXXXXX Account Number : XXXX I had requested that this account be verified and I have not seen any proof from you that it was. I need all proof regarding the previous dispute including the data provided to you that this account is accurate. 
XXXX. The following account is not mine XXXX XXXX Account Number : XXXX I had requested that this account be verified and I have not seen any proof from you that it was. I need all proof regarding the previous dispute including the data provided to you that this account is accurate. 
XXXX. The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX I had requested that this account be verified and I have not seen any proof from you that it was. I need all proof regarding the previous dispute including the data provided to you that this account is accurate. 
XXXX. The following account is not mine XXXX XXXX XXXX XXXX  Account Number : XXXX I had requested that this account be verified and I have not seen any proof from you that it was. I need all proof regarding the previous dispute including the data provided to you that this account is accurate. 
XXXX. The following account is not mine XXXX XXXX XXXX/ XXXX XXXX  Account Number : XXXX I had requested that this account be verified and I have not seen any proof from you that it was. I need all proof regarding the previous dispute including the data provided to you that this account is accurate. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. AND AGAIN YOU GUYS JOB IS TO PROTECT US THE CONSUMERS. NOT THE COMPANY THAT PAYS YOU TO REPORT ILLEGAL ITEMS AND NEVER SENDS YOU PROOF WITH WRITTEN CONSENT. YOU GUYS ARE MAKING IT HARD TO FEED MY FAMILY BUY REPORTING IMPROPER AND INACCURATE INFORMATION.

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