Consumer complaint received 2024-01-22 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: NV

Complaint narrative:
Identification : XXXX and XXXX XXXX is attached for identification validation purposes. 
This entire report has a plethora of inaccuracies and is violating my right to privacy. 

Firstly, you are in violation of several laws set forth by Congress. Lets start by saying you are furnishing this Consumer Report without my expressed written consent pursuant to 15 USC 1681b. Everything that is reflected in this report is a direct violation of 15 USC 1681a ( 2 ) ( B ) because these accounts are furnished from my credit card. You are reporting several inaccuracies in my consumer report pursuant to 15 U.S. Code 1681e ( a ) b - Compliance procedures. Lets begin with the incorrect spellings of my name are unidentifiable and need to me removed as well as you are reporting several non-mailable addresses that are undeliverable. I have requested removal of these on several occasions and it is now evident that many of these inaccurate reporting are intentional pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance. 
( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer. 15 U.S. Code 1681b - Permissible purposes of consumer reports 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. You need my written consent to add anything to my consumer report since I did not give this authorization then you are in violation of the Fair Credit Reporting Act. Inaccuracies are all throughout my consumer report with inaccurate dates, missing information, and credit reporting agencies information isnt matching across the board pursuant to INACCURATE REPORTING PURSUANT TO 15 USC 1681a P.L 90-321 ( 82 Stat. 146 ) which is law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) ( 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 ; 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal You are reporting my transaction history which is a violation.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures.

under this title. My rights to privacy pursuant to Violation of Privacy Act 1974-5 USC 552a , 16 CFR 313.1, 15 USC 1681c other adverse information, 12 CFR 1016.1 Privacy of Consumer financial info and 15 USC 1681b Permissible. I am relying on you to report with accuracy and fairness pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. It is imperative that you assist in protecting my right to privacy.

Public Record account is reporting inaccurately pursuant 15 USC 1681 and violation of 15 USC 1681c ( a ) Bankruptcy information is Excluded from the report. In violation of The Privacy Act ( 5 USC 552a ) and The Privacy Act of 1974. In conclusion the XXXX account is non-public information. Navient account is inaccurately reporting pursuant 15 USC 1681, dates are not consistent across reporting agencies. XXXX said that they will not disclose my information to third party affiliates and Experian, XXXX, XXXX are all third party affiliates which is a violation of FERPA 20 USC 1232g, 34 CFR 99 and violation of 15usc1681a ( 2 ) ( A ) ( i ) Exclusions transaction history. I have a right to the privacy of my non-public personal information.

Pursuant to 15 USC 6802 I can OPT-OUT of any non-public transactions as I was not provided with the XXXX disclosures forms from any institution before they passed my information to a third-party company XXXX, XXXX, Experian.

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