Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

Complaint:
This has been a very, very, very stressful situation for me, and I have been in contact with Experian, but nothing has been solve. I currently have 15 Negative accounts reporting to my credit report. That is a violation of 15 USC Code 1681 ( 7 ) ( E ) They are telling me that they are required to do so, and I know its a VIOLATION, THEY NEED TO GET THAT FIX ASAP. Another violation of 15 USC 6802 I need to know who gave them permission to furnish such a thing on my report. ( privacy=private information VIOLATION OF MY PRIVACY. They damage my reputation with false information. They are also in violation of the Privacy Act of 1974 The Privacy Act of 1974 ( Pub. L. 93579, 88 Stat. 1896, enacted XX/XX/XXXX 1974, 5 U.S.C. 552a ), a United States federal law, establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act requires that agencies give the public notice of their systems of records by publication in the Federal Register. The Privacy Act prohibits the disclosure of information from a system of records absent of the written consent of the subject individual unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records and sets forth various agency record-keeping requirements. Additionally, with people granted the right to review what was documented with their name, they are also able to find out if the " records have been disclosed '' and are also given the right to make corrections. [ 1 ] The Family Educational Rights and Privacy Act of 1974 ( FERPA or the Buckley Amendment ) is a United States federal law that governs the access to educational information and records by public entities such as potential employers, publicly funded educational institutions, and foreign governments. [ 1 ] The act is also referred to as the Buckley Amendment, for one of its proponents, XXXX XXXX XXXX XXXX of New York. [ 2 ] FERPA is a U.S. federal law that regulates access and disclosure of student education records. It grants parents access to their child 's records, allows amendments, and controls disclosure. After a student turns 18, their consent is generally required for disclosure. The law applies to institutions receiving U.S. Department of Education funds and provides privacy rights to students 18 years or older, or those in post-secondary institutions. Disclosure is permitted to parents of dependent students, and medical records are usually protected under FERPA rather than HIPAA. The law has faced criticism for concealing non-educational public records. 

Experian also needs to remove all Soft and hard inquiries on my report as well this is a VIOLATION of 15 USC 1681 b Permissible purpose, my credit was furnished without my lawful consent. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and private litigants.

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