Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: NC
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. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C 04/13/2022 In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C You are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I get into anything, I want to make it known to your company as well as those in positions of power, and authority at your company that congress makes it clear, and conspicuous that the banking system is dependent upon my consumer reports being fair and accurate to me. Pursuant to 15 USC 1681 ( a ) ( 1 ).

Pursuant to 15 USC 1681 ( a ) ( 2 ) congress makes it clear and conspicuous that you are an elaborate mechanism with no real standing or authority. 

Pursuant to 15 USC 1681 ( a ) ( 3 ) you were never given this role. You have assumed this role which is vital to my livelihood, and because of your assumption you have negatively affected me, and my family which has put a severe hardship on my life, mental stability, my health, and I have not been able to acquire credit to help with my living standards. 

Pursuant to 15 USC 1681 ( a ) ( 4 ). You were unfair, and deceptive in reporting this inaccurate information without first consulting with me the consumer. You have no confirmation that this transaction even transpired on my behalf. You were impartial in doing this because you authorized, and permitted this information to be reported without respect to my right to privacy. You only took one side of the story in making a decision to put this information on my consumer report. You infringed on my privacy, and took advantage of me by conversing with an outside party about my personal information, and deemed it as being true with the outside party. Iam demanding that this information you have acquired from such party stated in the previous sentence that this information be deleted from my consumer report expeditiously. 

Pursuant to 15 USC 1681 ( 1 ) ( b ). You did not adhere to the needs of commerce, because this was not fair, and equitable to me which has made my life a living XXXX. This information is inaccurate, neither was it confidential or relevant to me. Nor was this fictitious information legitimate or utilized in a demeanor that is or was equitable to me. This transaction if it had taken place should've been private but it wasnt, and in doing so you abandoned my confidence, and my faith in you, and the FCRA ( Fair Credit Reporting Act ) which you have violated. 

Pursuant to 1681a ( d ) ( 2 ) ( A ) ( i ) If this was a valid transaction ( Which you wouldn't know because you werent present ) it would be in fact a transaction that only took place between me, and the person that I had the experience with who allegedly made this report. So pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) it should be excluded from my consumer report.

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