Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: PA
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:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information as stated in Title 15 USC 1681 of the FCRA. 

15 U.S. Code 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. 

YOU & THESE " CREDITORS '' HAVE VIOLATED MY RIGHTS BY NOT GIVING ME THE OPTION TO EXERCISE THE NONDISCLOSURE OPTION AS PROVIDED IN THE FCRA 15 USC 6802 ( b ) ( 1 ). 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I WAS NEVER MADE AWARE OF MY RIGHT TO OPT OUT NOR HAVE I EVER GIVEN MY WRITTEN SIGNATURE TO REPORT ANY OF THE FOLLOWING EXCLUSIONS OF CONSTRUCTION OF A CONSUMER REPORT ACCORDING TO 15 USC 1681 TO BE REPORTED TO MY CONSUMER REPORT! 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I WANT TO KEEP THE FOLLOWING ACCOUNTS ON MY CONSUMER REPORT WITH EXCEPTION OF THE FOLLOWING INFORMATION : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX  INFORMATION YOU I DO NOT GIVE YOU PERMISSION TO REPORT : PAYMENT HISTORY, CREDIT UTILIZATION THESE ARE THE ACCOUNTS I DEMAND YOU TO REMOVE BECAUSE AS THE CONSUMER I HAVE THE RIGHT TO PRIVACY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS IS MY CORRECT PERSONAL INFORMATION : NAME XXXX XXXX XXXX XXXX. 
BIRTHDATE : XX/XX/1998 SOC # : XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX Pa XXXX CURRENT PHONE NUMBER : ( XXXX ) XXXX - XXXX CURRENT EMPLOYER : XXXX XXXX REMOVE ALL PREVIOUS INFORMATION! 

EVERY STEP MUST BE TAKEN TO ASSURE THE INFORMATION REPORTED IS COMPLETELY ACCURATE AND CORRECT! 
The following information therefore needs to be re-investigated. I DEMAND to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item MUST BE DELETED from the report as soon as possible OR OTHERWISE STATED IN THE ABOVE INSTRUCTIONS. The listed items are entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 

Please DELETE this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

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