Consumer complaint received 2021-06-07
Company: Experian Information Solutions Inc.
State: FL
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:
To whom it may concern, my name is XXXX XXXX. I am sending this letter in regards to my privacy that has been violated by the consumer bureaus. Not only have they violated my privacy they have also violated the law and I can clearly prove. According to 15 US Code 15 Commerce and Trade Chapter 41 Consumer & Credit Protection Sub Chapter III Credit Reporting Agencies 15 US Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and Fairness of Credit Reporting congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies aka credit bureaus exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I have never given consent in writing to any credit reporting agencies, aka credit bureaus to invade my privacy by reporting anything to my credit report therefore that is a in fact a violation og my consumer rights, and violation of the law stated by congress. ( b ) Reasonable procedures it is important that credit reporting agencies adopt reasonable procedure for meeting the needs of commerce for consumer credit information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. According to US Code & 1681b Permissible purpose of consumer reports, congress states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 1 ) in response to the order of the court having jurisdiction no courts will ever allow you to furnish such negative information or give any written consent to you on behalf to tarnish my credibility and damage my credit worthiness. ( 2 ) In accordance with written instructions of the consumer to whom it relates, the consumer is me and I never have given consent nor written to any consumer reporting agency to report the following information onto my consumer report. So I have the right to demand that you remove the following information listed below. 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX ( ii ) in an event in which the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) the procurement of the report by that person. There is no record that I have sent in a written document to a consumer agencies or credit bureaus giving consent not to disclose my private information onto a consumer report. Pursuant 15 US Code 1681c Requirements relating to information contained in consumer reports, ( a ) such information shall be excluded from consumer report, no consumer reporting agencies may make any consumer report containing any of the following items of information ( 4 ) Accounts placed for collection or charged to profit. 5 U.S. Code 1681h - Conditions and form of disclosure to consumers ( a ) In general ( 2 ) Disclosure in writing Except as provided in subsection ( b ), the disclosures required to be made under section 1681g of this title shall be provided under that section in writing. ( e ) Limitation of liability Except as provided in sections 1681n and 1681o of this title, no consumer may bring any action or proceeding in the nature of defamation, invasion of privacy, or negligence with respect to the reporting of information against any consumer reporting agency, any user of information, or any person who furnishes information to a consumer reporting agency, based on information disclosed pursuant to section 1681g, 1681h, or 1681m of this title, or based on information disclosed by a user of a consumer report to or for a consumer against whom the user has taken adverse action, based in whole or in part on the report [ 2 ] except as to false information furnished with malice or willful intent to injure such consumer. I am demanding that the accounts be removed due to the fact that you've violated my consumer rights and have violated the law that protects my rights as a consumer. The accounts that I am disputing are in litigation and I have contacted the CFPB, Attorney Generals Office, and in litigation with the consumer reporting agencies due to my rights being violated. This is my final attempt to resolve this issue. I am allowing 3 business days from receiving this letter as an intent to sue. If you are willing to compromise and resolve this situation out of court professionally please meet the demands within 3 business days. I am clearly stating that the accounts listed be deleted within 3 business days, a check in the total of {$3000.00} from XXXX, Experian, XXXX with the accounts listed above be removed permanently.

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 non-monetary relief