Consumer complaint received 2021-10-22
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/2021 i sent in an identity theft report filed with the FTC to XXXX to have accounts taken off that were not authorized by I, the consumer. XXXX 's sister bureaus should be reporting the same thing. XXXX did remove 5 accounts but XXXX nor Experian removed those same accounts. 

On XX/XX/2021 also sent dispute letters to all 3 credit reporting agencies to have information not permitted by I the consumer removed. 
The negative information being reported without my consent is damaging to my reputation and has prevented me from using my credit for personal, family and household needs. 

All information reported on my consumer report are solely transactions between I the consumer and companies, but pursuant to 15 U.S. 1681a ( 2 ) ( A ) ( i ) reported information can not be only transactions and experiences between the consumer and a company. 

It is also a fact that according to federal code a consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Biley Act. I, The consumer was not given the chance to opt-out of having this reported information about all accounts listed in the dispute letters below. thus, the accounts and information being reported and is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( iii ) and must be removed. 

All transactions authorized by my credit card, and credit card is defined in both FCRA and has the same as the definition in TILA as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This is a violation of 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed.

Each Credit Reporting Agency listed in the inside the dispute letters in the attached documents are reporting medical information. Medical information furnished about the consumer can not include the consumers, age, gender, demographic, residence, or any other information that does not relate to the physical, mental, or behavioral health or condition of a consumer. Pursuant to 15 U.S.Code 1681a ( i ) ( 2 ) this medical collection account is a violation of federal law, and also a HIPPA Violation. 

All consumer reporting agencies needs written instructions by I, the consumer, to furnish a consumer report. I never sent in any written instruction to either CRA and gave authorization to furnish this on my consumer report, which constitutes aggravated identity theft in accordance with 18 U.S.Code 1028A. Experian, XXXX and XXXX have also committed a direct violation of 15 U.S.Code 1681b ( a ) ( 2 ), all accounts I, the consumer, did not give permissable purposes to must be removed.

Consumer reporting agencies on a nationwide basis must maintain a joint notification system. I, the consumer, understands this knows that if the same information is not reported universally across all CRA 's it is a violation of 15 U.S.Code 1681b ( e ) ( 6 ).

pursuant to 15 U.S. Code 1681e ( a ) maintain reasonable procedures designed to avoid violations under section 1681c which includes violations of permissible purposes, and consumer is aware, no consumer reporting agency can furnish a consumer report to any person without following all the purposes listed in section 1681b of title 15.

Failure to remove these violations from my consumer report will result in a complaint with the FTC and Attorney General for identity theft. 

I, XXXX XXXX, give authorization for Experian, XXXX, and XXXX to move forward with this complaint.

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