Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

As a victim of identity theft, I have already advised these companies of unauthorized and inaccurate accounts on my report, and I am seeking them to do an investigation. 

Furthermroe, this information is a public record that according to XXXX XXXX XXXX COURT they do not report this information to credit reporting agencies. If this information was taken from any source other than the direct 1st hand source it is a direct violation of one 's consumer rights and case of stealing ones identity for their corporate gain.

This item reports differently on all 3 credit reports which clearly shows they didn't get it from the direct source or else they would have the correct information reported. 

Furthermore, it is the responsibility of the credit reporting agencies to make sure that the information they report is accurate to protect my privacy rights according to the following laws, these inaccuracies that have been reported without providing verifiable proof from first hand witnesses is a violation of federal law.

15 U.S. Code 1681 - Congressional findings and Statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and 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 that 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.

The law says : 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.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 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.

No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation This by law is Identity Theft and the credit reporting agencies are accepting and further publishing this information which is damaging my reputation and ability to obtain credit.

12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority.

Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of I OPT-OUT of these bank and credit card companies listed below, from reporting on my report and rescind their right to do so.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( 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.

Under the Privacy Act of 1974 ( 5 U.S. Code 552a ) and Privacy Laws I am required full disclosure of my rights for non-public financial information being reported and I was NOT given that by these companies listed.

The law further states : 12 CFR 1016.1 Purpose and scope.

( a ) Purpose.

( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15.

These companies did not provide a privacy notice before they furnished any of my information to my consumer report and I request that the information be immediately deleted under federal law.

Here are the list of items on my report to be deleted immediately : XXXX XXXX XXXX