Consumer complaint received 2025-01-05 00:00:00
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.
State: NJ

Complaint narrative:
XXXX, EXPERIAN and XXXX are credit reporting agencies, and I am the Consumer. " There is a grave need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the rights of the consumers privacy. '' -Fair credit Reporting Act 15 USC 1681 sec 602. XXXX, EXPERIAN and XXXX are all reporting inaccurate information as well as, scoring. 15 USC 6801 " it is policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of the consumers 'nonpublic personal information. ' These inaccuracies are being furnished by way of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, EXPERIAN and XXXX are all obligated by the FCRA to report accurate accounting. consumer has been advised ALL the inquiries reported were fraud. said companies had 4 days according to LAW to remove such items.15 USC 1681 sec 604 " In general Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX, EXPERIAN and XXXX. DO NOT have my written consent to furnish any information. Any and All consent to XXXX, EXPERIAN and XXXX along with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. whether verbal or nonverbal, written or implied or otherwise REVOKED.FTC fraud report has been filed on behalf of the consumer. Consumer is now requesting XXXX, EXPERIAN and XXXX to each provide the documentation used to determine inquiry was indeed authorized by the consumer.15 USC 6802 ( b ) ( c ) " A financial institution may not disclose nonpublic information to a nonaffiliated third party-unless the consumer can exercise a nondisclosure option. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX never informed me of my right to exercise my nondisclosure option. XXXX, EXPERIAN and XXXX have 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature used to determine inquiry was indeed authorized by the consumer. XXXX is NOT asking for an E-Oscar report. If XXXX, EXPERIAN and XXXX do not have documentation showing in fact these were authorized it must be removed asap. 15 USC 1681e " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681 ( c ). SAID companies are liable under the Securities Exchange Act to follow certain rules. Within 14 days i will be filing form 211 treasury omb forms to audit consumers accounts. XXXX XXXX file # XXXX EXPERIAN XXXX XXXX XXXX XXXX and XXXX XXXX file XXXX XXXX. XXXX, EXPERIAN and XXXX are securitizing consumers data yet refuse to provide the consumer copy of their CONSUMER FILE NOT CONSUMER REPORT. Also XXXX XXXX XXXX " A consumer may exercise the right to OPT-OUT at any time. '' I AM OPTING OUT AND REVOKING ALL PAST PERMISSIONS of your reporting services. As well as : XXXX XXXX XXXXXXXX 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