Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

As I reviewed my report XXXX seen items/ addresses that didn't belong to me as well as addresses that wasn't a deliverable address. As well as the incorrect spelling and arrangement of my full name. I have called and mailed them documents asking for these thing to be deleted and corrected. However still 3 months later no results. 
Please find the incorrect addresses below. 

XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  As well as my name should reflect what is on my identification. 

Under the provisions of the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 a, it is unequivocally stated that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and a deep respect for the consumer 's right to privacy. As the consumer in question, I am asserting my right to ensure that my private information remains confidential, as reinforced by 15 USC 6801, which declares that financial institutions have a continuous obligation to respect customer privacy.

According to 15 USC 1681 section 604 a section 2, a consumer reporting agency may only furnish a consumer report under specific circumstances, one of which is in accordance with the written instructions of the consumer. 

it is imperative to note that both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX and Experian, lack my consent and certainly do not possess my written consent to furnish this information. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 

Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without providing the consumer with an explanation of how they can exercise the nondisclosure option. The ( Furnisher of information to credit agencies ) failed to inform me of my right to exercise this option, thereby violating the law.

The reporting of adverse information without my permission is also a breach of 15 USC 1681C ( a ) ( 5 ), which explicitly prohibits consumer reporting agencies from including adverse items of information that antedate the report by more than seven years. XXXX and Experian are in violation of this provision. 

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A asserts that no person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX XXXX and Experian are falling short of maintaining reasonable procedures, as mandated by 15 U.S. Code 1681e, which requires consumer reporting agencies to have procedures designed to avoid violations and limit the furnishing of consumer reports to specific purposes.