Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports 
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint:
To who, it may concern ; It has come to my attention that your reporting my transactions and experiences to the consumer report, but in the FCRA under Exclusions it clearly states ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; So its my understanding that transactions can also be looked at as payments which in turn shows late payments on my report and as well experiences having a credit limit with said company in turn is utilization.

Ive also researched and seen congress states IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

And in conjunction with the exclusion of my consumer report and your company adding my transactions and my experiences, Ive never gave permission or opted in for these items to appear on my credit report and the FCRA states all consumer reports are to have 100 % accurate information I havent gave permission or opted in to have these items reported on my report. And this s not made up this is Laws put in place by congress Law ( 15 USC 6802 ) the obligations with respect to personal information : ( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option You in fact have to give these disclosure to me in writing or electronically and Ive received nothing, further more youve had on my consumer report that your company meets all FCRA requirements which is clearly a Lie your company has held my life hostage by violating and lying to me, which has caused me to be denied for homes and cars and also employment with your false incorrect information.

15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
Your reporting charge-offs as collection it cant be both its either charge off or a collection this is inaccurate information right here and youve said numerous times its verified as accurate if thats not true by law you knowing lied and failed to properly investigate and due your due diligence on my accounts that I reported inaccurate. 


The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation