Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: VA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number provided to me from XXXX XXXX : XXXX Account name : XXXX XXXX Account number provided to me from XXXX XXXX  : XXXX Account name : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) Account number provided to me from XXXX XXXX : XXXX Account name : Original creditor Account number provided to me from XXXX XXXX  : XXXX Account name : Original Creditor Account number provided to me from XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX Account number provided to me from XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX Account number provided to me from XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX Account number provided to me from XXXX XXXX XXXX XXXXXXXX Account name : XXXX Account number provided to me from XXXX XXXX XXXX XXXXXXXX Account name : XXXX Account number provided to me from XXXX XXXX XXXX XXXX Account name : XXXX Account number provided to me from XXXX XXXX : XXXX Account name : XXXX Account number provided to me from XXXX XXXX XXXX XXXX Are currently violating my rights. 


15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Status a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

The Fair Credit Reporting Act ( FCRA ) covers the tenant screening companies and the reports they sell. Under the FCRA, the companies that sell tenant screening reports are consumer reporting agencies. The FCRA says that consumer reporting agencies must have policies and procedures to assure the maximum possible accuracy of the reports that they sell.

Can you certify under penalty of perjury that all information reported on Pacer is accurate and complete?

No, you can not and the site does not state anywhere on it that it is ACCURATE only that it is PUBLIC. Therefore not a reliable or ACCURATE source of information.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes : or C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.

6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.

( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless- ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.

( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumer 's eligibility, or continued eligibility, for credit.

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