Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

It has come to my attention that Experian has been using my nonpublic information as well as my personally identifiable financial information in an abusive manner, which has resulted in financial damage. This is a formal complaint against Experian that requires CFPB enforcement under USC Title 15 as I have not provided Experian with XXXX to use my report in this manner. Items fraudulently reported by Experian include : [ XXXX. 
a. Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX Account Number on Experian : XXXX XXXX. 
a. Name : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Account Number on Experian : XXXX XXXX. 
a. Name : XXXX BANK XXXX XXXX. Address : XXXX XXXX XXXX XXXX, WI XXXX XXXX Account Number on Experian : XXXX XXXX. 
a. Name : XXXX  XXXX b. Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Account Number on Experian : XXXX XXXX. 
a. Name : XXXX BANK b. Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Account Number on Experian : XXXX XXXX. 
a. Name : XXXX XXXX XXXX  b. Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Account Number on Experian : XXXX XXXX. 
a. Name : XXXX XXXX  b. Address : XXXX XXXX XXXX FL XXXX XXXX, CA XXXX XXXX Account Number ( XXXX ) on Experian : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
] Violations of the United States Code : 1. 15 U.S. Code 1681 ( a ) ( 4 ) 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. '' Experian is a consumer reporting agency, and I am the XXXX. 

XXXX. 15 U.S. Code 1681b ( a ) ( 2 ) states : " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. '' Neither the financial institutions nor the consumer reporting agency Experian has received verbal consent to furnish this nonpublic information, and they surely do not have my written consent. Any and all consent, whether direct or implied, provided to Experian and/or the financial institutions to furnish this information on my consumer report, whether it be verbal, non-verbal, written, implied, or otherwise, is hereby REVOKED. 

XXXX. 15 U.S. Code 1681c ( a ) ( 5 ) states : " 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, other than records of convictions of crimes which antedates the report by more than seven years. '' The accounts in question are adverse items that Experian is furnishing without my permission, which is a violation of 15 U.S. Code 1681c. The accounts in question are not exempt under 15 U.S. Code 1681c ( b ). I am hereby demanding these items be removed from the consumer report immediately upon receipt of this notice.

1. 15 U.S. Code 1681e ( a ) 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.

Experian is not maintaining reasonable procedures as showcased by their violation of 15 U.S. Code 1681c. Therefore, they are in violation of 15 U.S. Code 1681e as well!