Consumer complaint received 2023-04-16
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:
EXPERIAN IS VIOLATING MY RIGHTS AS A CONSUMER the law is clearly in place to protect me XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX Date XX/XX/2022 EXPERIAN DISPUTE DEPARTMENT XXXX XXXX  XXXX XXXX, TX, XXXX ATTN : DIDPUTE DEPARTMENT RE : DISPUTE INACCURATE INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Dear EXPERIAN, I just ordered my credit report and wanted to make sure everything is reporting accurately. Can you please investigate my consumer report and ensure that everything is 100 % correct also can you make sure the open gate date last active and account balance are correct because I know you all are busy, I have a list of the accounts below. I'd like you to please investigate the accounts on my consumer report and delete it if it is not reporting accurately across all three bureaus under the law 15 U.S. code 1681e -compliance procedures section 1681b of this title states.

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure that maximum possible accuracy of the information concerning the individual about whom the report relates In furtherance and accordance with state law 15 U.S.C. 1681a ( 5 ) if, any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item is found to be inaccurate or incomplete or can not be verified, the consumer agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX  ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER : XXXX According to the fair credit reporting act the above creditors/persons/ entities have violated my rights 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 S-2 RESPON responsibilities of furnishers of information to consumer reporting agencies ( E ) duty of person after receiving notice of dispute After receiving notice of dispute from a consumer person to subparagraph D the person that provided the information in dispute to a consumer reporting agency shall conduct an investigation with respect to the disputed information review all relevant conduct an investigation with respect to the disputed information review all relevant information provided by the consumer with the notice complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681 I A ( a ) BLOCKExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) NOTIFICATIONA consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

the above listed accounts are make fraudulently on my credit report as i gave no written permission to any data furnishers/financial institutions in accordance with the fair credit reporting act i have a right to my privacy 15 USC 6802 SUB SECTION ( A ) NOTICE OF REQUIREMENTS Except as otherwise provided in this subchapter a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer, a notice that complies with section 6803 of this title.

( B ) OPT OUT ( 1 ) in general, a financial institution may not disclose nonpublic personal information to non-affiliate third parties unless ( A ) such financial institution clearly and conspicuously discloses, to the consumer, in writing or in electric form or other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third parties ( B ) the consumer is given the opportunity that such information is initially disclosed to direct that such information may not be disclosed to such third party and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option XXXX, XXXX AND EXPERIAN ESPCIALLY ARE IN MAJOR VIOLATION OF MY CONSUMER RIGHTS

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