Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IA)

I have contacted Experian multiple times to correct errors on my credit report and they continued to report the errors as accurate. Its come to my attention that Experian is in violation of federal law multiple times on my credit report. 

By publishing my credit history without my consent, they violated the Privacy Act of 1974, each time, once a month per account for the life of the account. It is unlawful to report any of my information unless Experian received my consent but they've done it hundreds of times over the course of years. 

According to the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2. It also stated consumer reporting agency can not furnish an account without my instructions under 15 USC. 1666B A Creditor may not treat a payment on a credit card account under an open and consumer credit as late for any purpose. This is in regards to late payments on my credit. 


Under 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods., I was supposed to be given an option to opt out of anything that I don't want on my credit report but Experian has never asked me. I only consent that any accounts on my credit report be reported as paid in full. Experian violated this federal law every time. 

Experian has also allowed third party debt collectors to erroneously place debts on my credit report and never confirmed the debt. They just went along w. the debt collectors. 
XXXX XXXX XXXX is one. I have no signed contract with them and never gave them or the original creditor permission to share my data with anyone. I have attached multiple times that Experian has allowed these third party debt collectors to report chargeoffs on my credit report, none of them have a signed contract with me but bought debts for pennies on the dollar from creditors who discharged the debt..

I've attached a pdf showing just a few of Experian 's violations. In it they made 37 soft inquiries and 1 hard inquiry, which are violations of 15 U.S. Code 1681b - Permissible purposes of consumer reports.

I am also attaching pdf 's that show when Experian wrongfully kept damaging reports from debt collectors on my credit report after I disputed them, which Experian should know is unlawful and they never gave me the option of opting out of them being on my report, violations of 16 CFR 313.7. 

XXXX also checked my credit file re : a loan or bank account but I didn't give them permission to do so and Experian should've kept that private, a violation under 15 U.S. Code 1681b - Permissible purposes of consumer reports. 
XXXX XXXX XXXX also checked my credit file for a loan or bank acct without my permission and Experian gave them access, without my written, express consent. 

I am also protected under The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) which is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. 


I need my credit report updated to reflect all appropriate changes, incl. the removal of all reported late payments, all accounts reported paid in full as all debts are now certificates of indebtness meaning that they are now income and income can not be reported. 
I will be sending a copy of this complaint to the FTC as well.