Consumer complaint received 2022-08-04
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:
In accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report. 

The Credit Bureaus never did a proper " investigation '' according to the FCRA The term " investigative consumer report '' means a consumer report portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ). 

I've NEVER received Notice that my information would be shared to third parties. I did not consent, nor did I provide written permission to share my nonpublic personal information with anyone, CRAs or Creditors. Also, 15 USC 1681 604 A Section 2 - States a Consumer Reporting Agency SHALL Not furnish an account without my written permission or instruction. I have never given written permission to any company. 

CRA 's continue to report inaccurate information when suppose to be 100 % accurate according to FCRA. CRA 's comes back and say account " XXXX '' but how is this so when my name is spelled wrong. My name is not XXXX XXXX nor is it XXXX XXXX XXXX. I only have XXXX address XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX CRA 's reporting inaccurate information ... example on Experian reporting XXXX XXXX. Act # XXXX Date Opened as XX/XX/XXXX, and XXXX reporting Date Opened as XX/XX/XXXX. Experian reporting Date Last reported as XX/XX/XXXX, and XXXX reporting Date Last reported as XX/XX/XXXX. Experian reporting Date Last Active as XX/XX/XXXX, and XXXX reporting as XX/XX/XXXX. Also account number does not review the last numbers of the account number to verify if the accurate is accurate. ( See Credit Report Attached ) I never received the Social Security Form SSA89 the Authorization for the Social Security Administration ( SSA ) To Release Social Security Number ( SSN ) Verification. These companies must have this form on file prior to releasing information to the CRAs 15 U.S.C. 1681 s-2 ( 8 ) ( E ) Responsibilities of Furnishers of information to consumer reporting agencies ( 8 ) Ability of consumer to dispute information directly with furnisher ( E ) Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. 

I also was never advised that I could have " OPT OUT '' of the consumer reporting prior to items being put on my credit report. These companies never disclosed to me that my private personal nonpublic information would be shared to nonaffiliated third parties, nor did they provide me with their company policies concerning this matter. Using my information with my consent is a Privacy violation and a Crime according to 18 U.S.C. 1028. 

When the creditor is in violation of the Truth in Lending Act, the cardholder has the right to seek any actual damages resulting from the violation, statutory damages of up to {$5000.00} for a single violation, and more where the violations are part of a pattern or practice, as well as attorneys fees. [ See 15 USC 1640 ( a ) ( 1 ) [ actual damages ; 15 USC 1640 ( a ) ( 2 ) ( a ) ( i ) and ( a ) ( 2 ) ( a ) ( iii ) [ statutory damages ] ; 15 USC 1640 ( a ) ( 3 ) [ attorneys fees and cost ] ; and 15 USC 1640 ( e ) and ( h ) [ recoupment and set-off rights ]. The right to recover for violations of this Act may be brought even after the entry of a default judgment against the cardholder by any court of compete jurisdiction.

REMAINING QUESTIONS OF FACT 1. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement ; 2. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section 6804, that such information may be disclosed to third parties ; 3. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties 4. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship.

15 USC 1681 Congressional findings and statement of purpose ( a ) Accuracy and Fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other 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. 
( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. ) Please deleted these accounts four ( 4 ) days after the receipt of my information

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