Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have submitted a complaint about you to the Consumer Finance Protection Bureau ( CFPB ), and as of today, my credit profile has not been updated. But instead, you are asking me to submit proof of identity, and still mailing out my credit reports to me. 

As per my research, and communication with the FTC, you violated the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXXXXXX, which states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. As you know, you are listed with the IRS as a consumer reporting agency. So XXXX, Experian, and XXXX are consumer reporting agencies and are in violation. 
As you know as a consumer. I have the right to make sure that my private information isn't shared which is backed by XXXX XXXX XXXX which states " It is the policy of the XXXX 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. You have a and have had several class action suits against your company because of this, and I would like for you to implement XXXX XXXX XXXX on my credit report. 
I would also like to let you know that a financial institution by definition under that title. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other. By the written instructions of the consumer to whom it relates. Financial institutions and consumer reporting agencies do not have my consent to furnish this information and they do not have my written consent. This applies to Experian, XXXX, and XXXX, whether it be verbal, nonverbal, written, implied, or otherwise is revoked. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option ''. XXXX XXXX states " Except as authorized under subsections ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ''. 
All of the mentioned credit agencies are not maintaining reasonable procedures and violated XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and all of the mentioned. 
Please correct my credit reports and only report the information that I agree too. I can be contacted at XXXX or via email at XXXX to discuss my credit report. Also, you should pay me {$1000.00} per item that you have listed on my credit report, without my permission ; and stop reporting my private credit information to others without my permission. If you do not respect my request, I will report your company for fraud. 

I have also included my ID in several copies of letters that I wrote to the credit bureaus, and the items below have not been removed. They continue to write me and request copies of my paystubs and bills, in which they are not privy to. I have sent the information that they need. 

I am asking the credit bureaus to remove the following from my report. 
XXXX. XXXXXXXX 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