Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: IL
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:
" The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). In accordance to 15 USC 1681 section 602, XXXX, XXXX and Experian are in violation of this said act by continually promoting inaccurate, unverifiable accounts and not protecting my consumer rights to privacy as laid out by congress in the ( Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111-203 ), I am the consumer and I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which further states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers '' nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 usc 1681 section 604 ( a ) section 2 states 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. ( Furnisher of Information to credit agencies ) the financial institutions and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and do not have my written consent. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given the Credit reportiong agencies written, unwritten, verbal or non-verbal per 15 usc 6802. A financial institution may not disclose nonpublic personal information to a nonaffliliated third party unless the consumer is given an explanation of how the consumer can exercise their non-disclosure option. ( Furnisher of information to credit reporting agencies ) never informed me of my right to exercise my option.These accounts are adverse items which are being reporting without my permission which is against the law. [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) ( ii ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and the information is, in fact, inaccurate.Compliance procedures [ 15 U.S.C. 1681e ] ( a ) Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person 43607 - 15 U.S.C. 1681e if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. According to IRS publication 4681 ( cancelled debts/closed accounts/charged off ) are known as Certificates of Indebtednes which equals income. It is illegal to report income on a consumer credit report.

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