Consumer complaint received 2024-02-09
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. (MD)

Dear Consumer Financial Protection Bureau, I am writing to express my continued concern regarding the issue related to my credit report. As of the date of this letter, I have not received any response from Experian, XXXX XXXX and ( the consumer reporting agencies in question ), in reference to my initial complaint. I am just sitting in LIMBO while they continue to drag on the time. EVERY ACCOUNT IS TO REFLECT THE CHANGE, not just one account you choose because this complaint is about the full consumer report. In my original complaint, I detailed my dissatisfaction with the credit reporting agencies reporting on my correct spelling of my name, not including my address in which MY ADDRESS IS NOT TO BE ON MY CONSUMER REPORT because it is private and that is DIRECT and specifically because as a consumer I have the RIGHT TO TELL YOU DO NOT PUT IT ON MY CONSUMER REPORT!, transaction history is still reporting which it should not state I used 30 % of $ said limit nor any percentage ( that is clear and detailed transaction history ), including late or missed payments, which I firmly believe is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. The corporation has failed to deliver notice to the consumer of the ability to opt out of the sharing of non public transaction history on account to non affiliated parties Please See all violations below 5 U.S.C. 552a ( b ) 16 C.F.R. 313.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 1 ) ( iii ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 16 C.F.R. 313.10 ( a ) ( 3 ) ( i ) - Limits on disclosure of non-public personal information to nonaffiliated third parties. 12 CFR 1016.10 ( a ) ( 1 ) ( ii ) - Limits on disclosure of nonpublic personal information to nonaffiliated third parties 15 U.S. Code 1681b ( b ) ( 1 ) ( A ) ( ii ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( i ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) ( ii ) - Permissible purposes of consumer reports 12 U.S. Code 3403 ( a ) - Confidentiality of financial records To summarize, the FCRA defines a " consumer report '' and explicitly excludes reports containing information solely about transactions or experiences between the consumer and the institution making the report. By reporting late or missed payments and credit utilization on my consumer credit report for my consumer credit plans, Experian, XXXX and XXXX has violated my rights under the FCRA and my rights under the Privacy Act of 1974. I kindly request your assistance in addressing this matter promptly. I believe that accurate and fair reporting of consumer information is essential, and I am seeking a resolution to this issue in accordance with the law. I request that the Consumer Financial Protection Bureau takes appropriate action to ensure Experian, XXXX and XXXX complies with the FCRA and corrects this error immediately, reflecting 0 % credit utilization, and ensuring that the payments on any and all of my accounts only show on-time payments on a consumer credit report for my consumer credit accounts. Again, I appreciate your attention to this complaint.