Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
This is what's going on, it's really simple, Experian continues to be willfully non-compliant by reporting inaccurate addresses, experiences and transactions and an account with an alleged debt on my consumer report without my consent and I repeatedly told them not to! Congress says Experian is an elaborate mechanism pursuant to 15 U.S. Code 1681 ( 2 ), in which they ASSUMED a role of consumer reporting, pursuant to Congress 15 U.S. Code 1681 ( 3 ), it was not given to them. They are not in charge of my person, my nonpublic personal information nor my consumer report ; I am in charge and I determine what goes on my report and what comes off! I do not have a contract with this elaborate mechanism and I never gave this elaborate mechanism written permission to create a credit file on me in the first place. I do not have to prove myself to them or send them personal private documents of any kind for any reason. The federal Fair Credit Reporting Act ( FCRA ) protects information collected by consumer reporting agencies, they also promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. These laws are here to protect the consumer, which is me, it doesnt say anything about protecting these elaborate mechanisms that falsely label themselves as The Credit Bureau XXXX The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. Experian agreed to a {$16.00} XXXX class action settlement for a data breach. They failed to protect consumer data. An unauthorized third party reportedly accessed the records of around 15 million people stored on Experians servers. 
They are in violation of several laws : 15 U.S. Code 1681 ( 4 ) says I have the right to privacy. 15 U.S. Code 1681b ( 2 ) ; they may furnish a consumer report under the following circumstances and no other and that would be in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions or permission to report addresses or any other information on my consumer report, where is the written instructions from me? They are in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) ; the term consumer report does not include transactions or experiences. So why are there late payments, etc. on my consumer report if the law clearly says those things are not included on a consumer report? Violation of 15 U.S. Code 1681b ( e ) Election of consumer to be excluded from lists ; I have already made an election for names and addresses to be excluded and I do not consent to any use of a consumer report relating to me in connection with any credit or insurance transaction and here I am making it again. I opt out of having Experian report accounts, names and addresses on my consumer report.

If they continue to be willfully non compliant, I will invoke 15 U.S. Code 1681n for Reporting information after notice and confirmation of errors 15 U.S. Code 1681s2. See attachments.

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