Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian, XXXX and XXXX are reporting multiple adverse accounts on my credit report without any verification and consent, In which is infringing on my right to privacy pursuant to the Privacy Act of 1974. 

The account named XXXX XXXX XXXX, Account Number : XXXX, is adversely reporting inaccurate information. Such account contains an alleged debt in the amount of {$1500.00}. Such debt being reported is an alleged debt, I do owe any amount of such alleged debt. 

In addition, The credit reporting agencies are also adversely reporting account name XXXX XXXX XXXX XXXX, Account number : XXXX. Such account is illegally reporting private student education records between me, the Consumer and XXXX XXXX XXXX XXXX. The account was paid in full, closed as of XX/XX/XXXX and has been for the last five years. Such account contains private transactional history and other private information. The information being furnished is completely inaccurate, infringing upon my right to privacy and is in violation of the federally enacted law XXXX XXXX Rights and Privacy Act of 1974. ( 20 USC 1232g ) I have the right to make sure my private information isn't shared and that the information being furnished on my credit file is 100 % accurate and does not damage, impact, or destroy my character, reputation and livelihood. 

15 U.S. Code 1681e ( b ) states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681 section 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the Consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

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. Their failure to do so has caused severe damage to my personal and household financial stability and mode of living due to the misleading, inaccurate and adverse information being reported on my credit report.

If such items are found to be inaccurate and/or can not be verified by the original signed consumer contract within 30 days of receiving this notice pursuant to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) such items must be deleted from my file.

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