Consumer complaint received 2024-03-31
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. (NH)

Upon further review of my credit report after being denied for an apartment I was made aware that the information on my CONSUMER REPORT from XXXX XXXX XXXX XXXX, two accounts first one ending in XXXX and second one ending in XXXX. 

The CFPB Supervision and Examination Manual references the XXXX XXXX  which defines Non-Public Personal Information generally is any information that is not publicly available and that results from a transaction between the consumer and the institution involving a financial product or service; Per the FCRA Section 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] A Consumer Report means any written, oral or other communications of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ]. ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; In reference to Section 604 permissible Purposes of consumer reports, [ 15 USC 1681b ] any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates. I have provided the inaccuracies referenced by the definitions an laws stated above. 
1. SECTION 603. [ 15 U.S.C. 1681a ], Section 604 Permissible Purposes of consumer reports [ 15 USC 1681b ], Privacy of Consumer Financial Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX UPDATE BALANCE TO XXXX ( XXXX ) 2. SECTION 603. [ 15 U.S.C. 1681a ], Section 604 Permissible Purposes of consumer reports [ 15 USC 1681b ], Privacy of Consumer Financial Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX PAYMENT HISTORY REFLECTING ON TIME EVERY MONTH, PRESENT AND FUTURE FOR LIFE OF THE ACCOUNT PER LAW. 
3. SECTION 603. [ 15 U.S.C. 1681a ], Section 604 Permissible Purposes of consumer reports [ 15 USC 1681b ], Privacy of Consumer Financial Information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX UPDATE HIGHST BALANCE TO XXXX ( XXXX ) 4. SECTION 603. [ 15 U.S.C. 1681a ], Section 604 Permissible Purposes of consumer reports [ 15 USC 1681b ], Privacy of Consumer Financial Information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX UPDATE BALANCE TO XXXX ( XXXX ) XXXX. SECTION 603. [ 15 U.S.C. 1681a ], Section 604 Permissible Purposes of consumer reports [ 15 USC 1681b ], Privacy of Consumer Financial Information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX PAYMENT HISTORY REFLECTING ON TIME EVERY MONTH, PRESENT AND FUTURE FOR LIFE OF THE ACCOUNT PER LAW. 
XXXX. SECTION 603. [ 15 U.S.C. 1681a ], Section 604 Permissible Purposes of consumer reports [ 15 USC 1681b ], Privacy of Consumer Financial Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX UPDATE HIGHST BALANCE TO XXXX ( XXXX ) PROVIDE DOCUMENTATION OF STANCE OF DISPUTE CONTENTS. PER CFPB A EXAMINATION CHECKLIST IS REQUIRED FOR DISPUTES AN IS AVAILABLE FOR CONSUMER IN WHICH IT RELATES TO. 
Per the FCRA Section XXXX11. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all RELEVANT INFORMATION regarding the dispute that the agency has received from the consumer or reseller. RELEVANT INFORMATION DOES NOT INDICATE A GENERIC MESSAGE INFORMING THE CONSUMER THE COMPANY RECIEVED THE DISPUTE AND IS LOOKING INTO IT. PER CFPB DISPUTES GET SENT TO COMPANY IN QUESTION WITHIN 24 HOURS.