Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I am writing to you today to express my concern about the IMPROPER USE OF CREDIT REPORT/ unauthorized sharing of my personal information by XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX As a consumer, I have the right to privacy under the Fair Credit Reporting Act ( FCRA ), and I believe that XXXX XXXX, EXPERIAN XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX have violated my rights by sharing my information without my consent. XXXX XXXX, EXPERIAN XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX did not have my written consent to furnish a consumer report about me. Or any other personal information such as social security number, address, name * XXXX XXXX, EXPERIAN XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX furnished a consumer report about me that contained inaccurate information. XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX not maintain reasonable procedures to avoid violations of the FCRA XXXX I am requesting that XXXX XXXX, EXPERIAN XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX take the following steps to address my concerns : * Rectify the inaccurate information in my consumer report. * Destroy any copies of my consumer report that contain inaccurate information. * Cease and desist from sharing my personal information without my consent. * Implement reasonable procedures to avoid future violations of the FCRA. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

Attached is a hard copy of a recent three bureau credit report obtained from XXXX XXXX XX/XX/2024, this report details the inaccuracies listed on consumers credit report/file. Page XXXX of the XXXX credit report/file packet states the following phrase handwritten by XXXX XXXX XXXX XXXX XXXX with a blue ink pen, Inaccuracies marked with Blue ink circles throughout these 15 pages. The inaccurate items are circled on pages 2 through 12 of the 15 page document. Per the Fair Credit Reporting Act, section 603, 15 USC 1681 ( 2 ) ( A ) ( i ) : Exclusions except as provided in paragraph ( 3 ), The term consumer report does not include- ( A ) subject to section 624, 15 USC 1681s-3 ( a ) ( 1 ) : any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

EXPERIAN NAME IDENTIFICATION NUMBERS SHOWING UP ON CREDIT REPORT AS INACCURATE!!! : XXXX, XXXX, XXXX, XXXX Based on 15 USC 1681 ( 2 ) ( A ) ( i ) and 15 USC 1681s-3, information between a consumer and the person making the report should not be reported on the consumer 's credit report/file. 

These inaccuracies are highly injurious to my credit report/file. I demand XXXX XXXX, EXPERIAN XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX provide the documentation used to determine inquiries were indeed authorized by the consumer and to provide the name of the person spoken to, documentation used, and signed application with consumers wet ink signature. Consumer is NOT asking for an E-OSCAR report. If XXXX XXXX, EXPERIAN XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX does not have documentation to show these were in fact authorized it must be removed immediately. XXXX XXXX, EXPERIAN XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX are also liable under the Securities Exchange Commission to follow certain rules. ADDITIONALLY THE PROPER AUTHORITIES/ENTITIES SUCH AS THE IRS FORMS 211 AND 3949-A FOR TAX FRAUD AND EVASION.

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 consumer 's right to privacy. '' XXXX XXXX, EXPERIAN XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed 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. '' ( Furnisher of information to credit reporting agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), 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. '' ( Furnisher of information to credit reporting agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX, EXPERIAN XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, EXPERIAN XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX ( Furnisher of information to credit reporting agencies ) 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. '' ( Furnisher of information to credit reporting agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' 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. '' There are inaccurate NEGATIVE ITEMS/ adverse items being reported again without my permission which is against the law. 15 U.S. Code & 1681s-2 ( 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. '' XXXX XXXX, EXPERIAN XXXX XXXX XXXX, AND XXXX XXXX XXXX XXXX are not maintaining reasonable procedures. DELETE ALL STUDENT LOAN ACCOUNTS off my credit report immediately! PER FERPA ( FAMILY EDUCATIONAL RIGHTS AND PRIVACY ACT ) 20 USC 1232g.