Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Complaint:
By the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. XXXX and Experian are consumer reporting agencies, and I am the consumer. As a consumer, I possess the right to safeguard my private information, supported by 15 USC 6801, emphasizing that financial institutions are obligated to protect customers ' nonpublic personal information. Under 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency can only furnish a consumer report if instructed in writing by the respective consumer. I have not given XXXX, Experian, or XXXX XXXX ( financial institution ) written consent for furnishing information to the credit agencies. Therefore, any consent given in the past, be it verbal, non-verbal, written, implied, or otherwise, is now revoked permanently. Furthermore, 15 USC 6802 ( b ) ( c ) dictates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their right to a nondisclosure option. However, the institution furnishing information to the credit agencies never told me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly states that no consumer reporting agency can include adverse information in a consumer report without proper authorization. This XXXX XXXX account ending XXXX on the XXXX report with late payments and history ending XXXX with negative news on XXXX XXXX Report being reported as an adverse action, and it is being said without my consent, which is a violation of the law. Moreover, 15 USC 1681s2 ( A ) ( 1 ) A makes it clear that no information should be furnished to a consumer reporting agency if it is known to be inaccurate. XXXX and Experian are failing to maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to authorized purposes, as required by 15 USC 1681e. I have over nine hard inquiries from a list of companies, and 8 of them I've NEVER done business with. Lastly, by 12 CFR 1016.7, I retain the right to opt out of your reporting services anytime. Therefore, I am opting out of your reporting services immediately. I opted out a few years ago, and still, my information has been shared. I've used preemptive measures such as Identify theft programs for over two years to prevent inquiries, and I have been violated. In summary, I expect XXXX, Experian, and XXXX XXXX, as consumer reporting agencies, to adhere to the legal requirements outlined in the FCRA and other relevant regulations, ensuring that my private information is handled with fairness, accuracy, and respect for my privacy rights. As a consumer, I am asserting my rights and requesting that my data not be disclosed without proper authorization. Preferred Result Immediate deletion of the following from my credit report as is necessary to rectify the violations : UNAUTHORIZED INQUIRIES XXXX XXXX XXXXNever applied for a loan XXXX XXXX XXXX LOCATION : XXXX XXXX XXXX XXXX CA 92612-LAST ITEM I APPLIED FOR CREDIT WAS FOR MY TRUCK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ONLY COMPANY I RELEASED MY INFORMATION TO WAS XXXX REQUESTED ON XX/XX/XXXX. ADDRESS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ADVERSE INFORMATION XXXX  XXXX Unauthorized reporting of transaction for {$570.00} reported on XX/XX/XXXX. XXXX XXXX Credit Card Unauthorized reporting of transaction for {$1200.00} reported on XX/XX/XXXX. XXXX XXXX XXXX XXXX Unauthorized transaction reporting for {$38000.00} reported on XX/XX/XXXX and for late payments. And {$1000.00} per violation of the FCRA. Genuinely and in good faith, 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