Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: GA
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:
NOTICE OF DISPUTE The account for Us Auto is being reported without my expressed consent and my privacy is being breached. Not only is my privacy being violated, the account information is inaccurate which further proves that this information was never verified. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) the Banking system is dependent upon my consumer report being fair and accurate. After reviewing my consumer report, I realized that my current report is inaccurate. This inaccurate report is unfair to me as I was never notified when the inaccurate information was furnished, and I was never notified during you companies initial investigation that this information was going to be reported. This grave error has undermined my confidence in your companies procedures, and as a result of this I will no longer be extending credit. If this information is not removed, I no longer want my information in your companies database. 

Pursuant to 15 USC 1681 ( a ) ( 2 ) your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my financial reputation and it has adversely affected my credit worthiness. Which impacts my ability to be a productive member of society. 
Pursuant to XXXX XXXX XXXX ( a ) ( XXXX ) Your company assumed this role. You were not given expressed permission by me, the consumer, or a competent court of jurisdiction. You also assumed this role and assumed this information was valid. Which is a violation of my consumer rights. 
Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) you did not ensure that this information was accurate, you did not exercise your grave responsibility with fairness or impartiality, you took one side of the story and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, this has violated my right to privacy. 
Pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( a ) ( i ) Congress made it clear that a consumer report should not include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate whether it took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means is should not be included in my consumer report, and in fact is a violation of my consumer rights. 
Pursuant to 15 U.S.C 1681 ( a ) ( d ) ( 2 ) ( a ) ( iii ) In your initial investigation I was never given the opportunity to deny or verify this alleged information being communicated on my consumer report. This is in fact another violation. 
Pursuant to 15 U.S.C 1681 ( a ) ( b ) any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit Card as defined under 15 U.S.C 1602 ( l ) ( Definition attached and highlighted on Exhibit B ) As mentioned above, my consumer report is not fair and equitable to me due to the publishing of inaccurate information such as late payments, incorrect name spellings, and charge off accounts ( see attachments incorrect information is highlighted in all attachments )

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