Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. 

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801Violation Per 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This is backed by P.L 90-321 ( 82 Stat. 146 ). None of these agencies, Experian, XXXX, or XXXX have my written consent. Nor have they provided any proof of consent, when requested. 

Violation of 15 U.S. Code 1681c Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, Companies refuse to remove adverse actions or provide credit file upon multiple requests.

Violation of 12 CFR 1022.3. Identity theft means a fraud committed or attempted using the identifying information of another person without authority. These companies DO NOT have my written authority or permission to share my social, address, or other personal identifying information. When requesting my file or proof of any written permissions, each bureau refused. 

Violation of 15 U.S. Code 1681e - Compliance procedures. ( b ) Accuracy of report. The following inaccuracies were found for each of the following accounts listed below. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # listed is XXXX Experian Account # listed is XXXX XXXX Account # listed is XXXX XXXX Date of last payment : XXXX XXXX XX/XX/XXXX XXXX and Experian Listed XX/XX/XXXX XXXX and XXXX XXXX account as charged off/Closed XXXX Lists closed date as XX/XX/XXXX XXXX lists NO closed date. 
Experian lists the account as charged off but NOT closed - No close date XXXXXXXX XXXX XXXX XXXX XXXX XXXX account # as XXXX XXXX Experian lists account # as XXXX XXXX lists account # as XXXX XXXX lists date closer as XX/XX/XXXX Experian does not list date closed XXXX lists date closed as XX/XX/XXXX Experian lists account type as credit card XXXX and XXXX lists account type as revolving XXXX XXXX XXXX XXXX acct XXXX XXXX Experian acct # XXXX XXXX acct # xxxxx XXXX XXXX Acct type : XXXX Experian acct type : debt buyer XXXX acct type : Open account XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX acct # xxxxx XXXX Experian acct # XXXX XXXX Acct type : other Experian acct type : debt buyer XXXX acct type : Open account Experian lists no highest balance, but XXXX and Experian does XXXX XXXX : XXXX XXXX is the only Bureau reporting XXXX XXXX XXXX XXXX XXXX : XXXX is the only Bureau Reporting XXXX XXXX  XXXX XXXX os the only Bureau reporting this Violation of 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed underthis subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I have filed MULTIPLE complaints with each credit bureau regarding these accounts and they refused to send my credit file or make the proper adjustments. They also refuse to acknowledge the copies of opt-notices I have sent to the copies furnishing information on these accounts.

This means they are also in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ( B ) Reporting information after notice and confirmation of errors Violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ) no transaction history should be shared. THIS IS LAW. Again, they did not have consent, which is also a violation of this law AND FCRA.

Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

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