Consumer complaint received 2022-06-03
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:
Under the fair credit reporting act my rights have been violated by XXXX XXXX XXXX account number XXXX. Specifically 15 U.S.C. 1681B which states that I have a right to the privacy of my personal information and 15 U.S.C. 1681B section 2 which states that reporting agencies shall not provide my report without the written instructions of the consumer to whom it relates. on XX/XX/XXXX XXXX XXXX XXXX provided me with false and inaccurate information after being notified that the information they were reporting was incorrect and in dispute In addition XXXX XXXX XXXX violated 15 U.S. Code 1692c which states Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This company has violated this law on multiple occasions through improper communication tactics and providing incorrect and inaccurate information My rights were additionally violated by XXXX XXXX account number XXXX by violating XXXX5 U.S.C. 1681B stating reporting agencies shall not provide my report without the written instructions of the consumer to whom it relates. XXXX XXXX has never obtained my consent to provide and report my information these actions have had an adverse and negative affect on me. 

Violations were further conducted by XXXX XXXX account numbers : XXXX and numbers XXXX. Reporting of these accounts without my written consent is a violation of 15 U.S.C. 1681B which states that I have a right to the privacy of my personal information and 15 U.S.C. 1681B section 2 states that reporting agencies shall not provide my report without the written instructions of the consumer to whom it relates. This agency has reported information in violation of these laws in which I am seeking the immediate removal The Next account reported by this agency that is violating my rights is XXXX XXXX account XXXX. This company has violated 15 U.S.C. 1681B and also 15 U.S. Code 1692c. The fair credit reporting act grants me the right to privacy and also requires my written consent for reporting information. This account has consistently violated these rights since XX/XX/XXXX Further, XXXX XXXX assigned this account To XXXX XXXX XXXX XXXX XXXX who have unjustifiably engaged in 3 Hard inquires on my report without my written consent. These inquiries took place XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and the reporting agencies failed to verify whether consent was obtained which violated 15 U.S.C. 1681B I am seeking for the immediate removal of all hard inquiries from the company XXXX XXXX XXXX XXXX in addition to this account from XXXX Next account in violation is XXXX XXXX XXXX XXXXXXXX with account number XXXX. This account and the reporting of it is in further violation of the laws of the FCRA listed above relating to consent and privacy. The reporting agencies have actively failed to allow privacy and accuracy with regard to their reporting practices despite my requested dispute. FCRA prohibits the reporting of information when they have been given reason to believe that it is inaccurate 15 U.S.C. 1681S. I provided reasonable cause to the reporting agency and they have consistently violated my rights. 

The next account consistently in violation is XXXX XXXX XXXX XXXX XXXX XXXX with account number XXXX this account has also violated 15 U.S.C. 1681A, 15 U.S.C. 1681B, 15 U.S.C. 1681S, and 15 U.S. Code 1692c. I am requesting that this account be deleted The Fair Credit Reporting Act is designed to ensure accuracy and fairness in credit reporting. Because Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 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 15 U.S.C. 1681 602. The reporting agency has not provided fairness and impartiality and has not respected my rights to privacy under the law. Therefore I am requesting the immediate removal of all accounts listed above.

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