Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Experian, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of their reporting services. 

Here is a list of all inaccuracies that I found on my credit report : XXXX XXXX, XXXX XXXX for $ XXXX they sold the debt to a third party collection agency ( XXXX XXXX XXXX XXXX without giving ANY written or verbal consent to do this!. which is breaking 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' i also have 8 closed accounts that need to be removed from my credit report entirely. they include, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. most of these are over XXXX years old and should be completely removed from my report. they also did not have my written approval as well. 

XXXX XXXX has my name listed as XXXX XXXX XXXX, i have never gone by that name and have no idea how they even have that on there. they must only report things that i authorize them to do.. 

There are also 5 inquiries that need to be removed as well, which include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX None of these companies had written or verbal permission to add any of the inquiries to my report.15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' it clearly states they need my permission before adding this information and are illegally reporting information on my credit report. 

i also have 12 student loans on my report that need to be removed immediately. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' i never gave them any permission to do this!! 

i also have a XXXX XXXX on my report with {$0.00} .... this is pointless and needs to be removed for the same reason everything else is illegal on these reports. 


there is an XXXX XXXX account added XX/XX/XXXX, XXXX i NEVER gave them any permission to post this on my report.. 

The XXXX XXXX  account that was added XX/XX/XXXX, XXXX i never gave them permission to do this! 

i would also like any late payments to be removed as that information should not be added with out my consent ... These agencies are BREAKING the law and getting away with it! 

there are also two addresses on my report that are non mailable addresses and need to be removed,, XXXX XXXX XXXX XXXX nj XXXX XXXX XXXX XXXX XXXX XXXX NJ. 
XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX These are NON MAILABLE addresses and need to be removed immediately. 

They have also reported the wrong info for my employment info so i would like that removed too XXXX has included a XXXX XXXX  account for {$570.00} from XX/XX/XXXX XXXX i never gave them my written consent to publish this info. 


I am opting out of XXXX XXXX  XXXX, XXXX, XXXX and XXXX XXXX XXXX. that they provide and i do NOT give them consent to publish any other report on my credit. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. financial institutions can NOT disclose to a nonaffliated third party any nonpublic personal info, unless they PROVIDE a notice to the consumer not only are they breaking FCRA they are also breaking the PRivacy act of 1974 .... 

15 U.S. Code 1681n - Civil liability for willful noncompliance... they are knowingly breaking the law and are subject to a {$1000.00} fine PER violation!!

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