Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: IL
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:
This is in regard to act # XXXX with XXXX XXXX I previously disputed validation but have been getting verification instead which is not what I asked for. Previous attachments they sent said I asked for both validation and verification, but they only verified. Also 15 U.S.C. 1681 section 602 A. States I have the right to privacy. This means if I am asking for something to be removed or deleted it should be acknowledged because it is my right to privacy. Also 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have never done business with XXXX XXXX. I did not give them written instructions allowing them to furnish my account. CLEDAR VIOLATION. They have no proof, phone call or letter stating I was ok with them furnishing my account. Also Section 604 [ 15 U.S.C. 1681b ] ( a ) states In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. This is not a judgement. This is another clear violation. Also Section 604 15 U.S.C. 1681 states, Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, 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 alleged debt is not considered a crime. This account would be considered an adverse action. The legal definition of Adverse Action is a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ). This is grounds for removal. Clear violation. Another violation is Section 607 1681e which states A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report. XXXX obtained my credit report with the intent to resell any information to XXXX XXXX. Grounds for removal. Responsibilities of procurers for resale. A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 604 1681b ], including by requiring that each person 609 - 15 U.S.C. 1681g 45 to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph. This would have been me asking to VALIDATE, not verify. Another clear 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