Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Due To A complaint : This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

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 than XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. The financial institution and the Consumer reporting agencies Experian XXXX, and XXXX do not have my consent to furnish Private Transactions of history of any information and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6809 ( 4 ) ( a ) Non Public Personal information- ) 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. I am requesting a removal of reporting again companys from my credit report listed below : XXXX XXXX XXXX ( delete ) ( no contract ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( delete ) ( no contract ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX AR CHILD SUPPORT SER ( Delete ) ( no contract ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Delete ) ( No Contract ) XXXX XXXX XXXX  ( Delete ) ( No Contract ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Delete closed Accounts ) ( No contract ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of USC title 15. 
XXXX XXXXXXXX ( Delete all late payments dates and report paid on time ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Delete Account ) ( no contract ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( delete ) ( no contract ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( delete ) ( no contract ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( delete ) ( no contract ), XXXX XXXX XXXX XXXX ( delete closed account ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( deleted closed account ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX ( XXXX ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX

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