Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: CA
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:
Account # XXXX XXXX XXXX  # XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX I am a consumer practicing my legal rights. If XXXX and Experian Continue Violating the Consumers rights, I will be forced to dispute this matter. With the Department of justice. It is very clear the damage between XXXX XXXX and Experian. Has done to the consumer. This dispute has been going on for almost 3 years, and the information continues to come back verifiable. How much hush money XXXX XXXX in XXXX XXXX XXXX Has given to the credit bureaus for them to continue stalling this account There is no proper investigation Made and I am going to request the following Civil liability for the damage those companies had done to the consumer in Preventing the consumer to continue with his credit journey. The following Documentation that needs to be provided to the consumer has not been provided. the Signature Of the permissible purpose That I gave permission for this information to be posted on my consumer credit report Let me explain. Since So call Credit bureaus Believe. That, without a permissible purpose. you are allowed to post Information without the consumers permission. As a credit bureau, the documentation That you posted without my permissible purpose Is considered fraud. Your job as a credit Bureau is to protect the identity of the consumer You help allowed XXXX XXXX and XXXX XXXX XXXX to violate the consumers rights. This is what the law says. 
15 U.S. Code 1681q - Obtaining information under false pretenses. Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 
Section 604. Permissible purposes of consumer reports In general, any consumer reporting agency may furnish a consumer report under the following circumstances and no other :. In response to the order of a court having jurisdiction to issue, such as a subpoena, and in connection with proceedings before a Federal grand jury 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 B. intends to use the information for employment purposes C. intends to use the information in connection with the underwriting of insurance involving the consumer D. intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status E. intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation F. otherwise has a legitimate business need for the information i. in connection with a business transaction that is initiated by the consumer ii. to review an account to determine whether the consumer continues to meet the terms of the account. Conditions for Furnishing and Using Consumer Reports for Employment Purposes 1. Certification from User : A consumer reporting agency may furnish a consumer report for employment purposes only if a. the person who obtains such report from the agency certifies to the agency that the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable; and information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation b. the consumer reporting agency provides with the report or has previously provided, a summary of the consumers rights under this title, as prescribed by the Bureau under section 609.

2. Disclosure to Consumer : In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless :. a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and b. the consumer has authorized in writing the procurement of the report by that person. 
3. Conditions on Use for Adverse Actions : In using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates. a copy of the report b. a description in writing of the rights of the consumer under this title, as prescribed by the Bureau under section 609. 
Section 609. Disclosures to Consumers Information on File Every CRA ( Consumer Reporting Agency ) shall, upon request, and subject to 610, clearly and accurately disclose to the applicant : 1. All information in the applicants file at the time of the request, except that- if the applicant to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the applicant not be included in the disclosure and the CRA has received appropriate proof of the identity of the requester, the CRA shall so truncate the social security number in such disclosure ; and 2. The sources of information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed. However, in the event of a lawsuit, the sources must be made available to the plaintiff under appropriate discovery procedures in the court in which the action is brought. 
3. Identification of each person that procured a background check for employment purposes, during the 2-year period preceding the date on which the request is made.

Summary of Rights A CRA shall provide to an applicant, with each written disclosure by the agency to the applicant under this section- 1. The summary of rights prepared by the Bureau. 
2. A list of all Federal agencies responsible for enforcing any provision of this title, and the address and any appropriate phone number of each such agency, in a form that will assist the applicant in selecting the appropriate agency.

3. A statement that the applicant may have additional rights under State law, and that the applicant may wish to contact a State or local consumer protection agency or State attorney general ( or the equivalent thereof ) to learn of those rights.

4. A statement that a CRA is not required to remove accurate, derogatory information from the file of an applicant unless the information is outdated under section 605 ( Part 2 of our series ) or can not be verified.

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