Consumer complaint received 2023-12-27
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. (NC)

On the XXXX of XXXX, XXXX, via Certified Mail Receipt number XXXX, I dispatched a written correspondence to Experian, explicitly requesting the provision of an Affidavit of facts and documentary evidence. The communication sought clarification regarding the authenticity and verification of the disputed transactions and accounts. In the absence of a substantive response, indicating a failure on Experian 's part to take appropriate action, the requested measures to rectify the contested items were not implemented. 

Despite explicit instructions to eliminate inaccuracies and nonmailable addresses from my consumer report, Experian persists in displaying such addresses. It is imperative that Experian promptly rectify this situation by removing any nonmailable addresses, as my sole valid and mailable address is XXXX XXXX XXXX XXXX XXXX, NC XXXX. 

Experian has been furnished with a copy of my Identity Theft report, wherein the singularly recognized and utilized name is " XXXX XXXX. '' It is imperative that any other name be expeditiously expunged from my records. 

At this time, I am exercising my rights. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a 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 functions as a consumer reporting agency, and as the consumer, I retain the right to ensure the confidentiality of my private information. This right is substantiated by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX by definition under the relevant title, are identified as financial institutions. According to 15 USC 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency is authorized to furnish a consumer report only under specific circumstances, specifically when it aligns with the written instructions provided by the respective consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the financial institutions and the Consumer reporting agency Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX never apprised me of my entitlement to exercise the nondisclosure option. Additionally, 15 USC 1681C ( a ) ( 5 ) specifies that " 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. '' These accounts ( XXXX  XXXX Account Number XXXX, XXXX XXXX XXXXXXXX XXXX Account Number XXXX, XXXX XXXX XXXX XXXXXXXX Account Number XXXX, XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX Account Number XXXX, XXXX XXXX XXXX  Account Number XXXX, XXXX XXXX XXXX XXXXXXXX Account Number XXXX, HARD INQURIES BY : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , and XXXX XXXX are adverse items, they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e 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. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.