Consumer complaint received 2024-01-31 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: TX

Complaint narrative:
Time and time again I have reached out to XXXX, Experian, and XXXX on multiple occasions through various letters, addressing inaccuracies within my consumer credit profile. These inaccuracies span from the reporting of late payments and credit utilization to errors in personal information such as names, addresses, phone numbers, and employers. 

In accordance with the Fair Credit Reporting Act, specifically outlined in 15 USC 1681, consumer reporting agencies like XXXX, Experian, and XXXX are mandated to fulfill their responsibilities with fairness, impartiality, and a deep respect for consumer privacy. As a consumer, I am entitled to protect my private information, a right underscored by 15 USC 6801, emphasizing the duty of financial institutions to uphold customer privacy and safeguard nonpublic personal information. 

The entities providing information to credit agencies, known as " Furnishers, '' fall within the definition of financial institutions. According to 15 USC 1681, Section 604 ( a ), any consumer report furnished by these agencies should strictly adhere to the written instructions of the concerned consumer. I affirm that XXXX, Experian, and XXXX, the Furnishers of information to credit agencies, have no right or written consent from me to furnish my information. All forms of consent, whether verbal, non-verbal, written, or implied, are hereby revoked and voided. 

Furthermore, under 15 USC 6802 ( b ) ( c ), financial institutions can not disclose nonpublic personal information to third parties unless consumers are given an explanation of how to exercise their nondisclosure option. The Furnishers ' failure to inform me of this right constitutes a notable omission. Additionally, as per 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies are prohibited from including adverse information without proper authorization. This inclusion, without my consent, violates the law. 

Moreover, in accordance with 15 U.S. Code 1681s2 ( A ) ( 1 ), agencies are prohibited from knowingly furnishing inaccurate consumer information. XXXX, Experian, and XXXX are expected to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, to prevent violations and limit the furnishing of consumer reports. Reporting transaction history is deemed illegal under this code. 

Lastly, 15 USC 1681 ( c ) stipulates that no adverse items, aside from the conviction of crimes, should be present on the consumer credit profile. Any derogatory mark that is not authorized in writing is considered a violation and could potentially be construed as identity theft, as outlined in 12 CFR 1022.3. IF IT DOESN'T CONTAIN TO PERMISSBLE PURPORSES PLEASE AND UPDATE ACCOUNTS LISTED BELOW. 

XXXX XXXX ACCT XXXX XXXX reporting inaccurately please remove derogatory remarks and delete the account. 

XXXX XXXX XXXX  ACCT XXXX ending in XXXX reporting inaccurately please remove derogatory remarks and delete the account *XXXX  XXXX XXXX XXXX ACCT # ending in XXXX reporting inaccurately please delete the account from report *XXXX XXXX XXXXXXXX ACCT # ending in XXXX reporting inaccurately please delete account from the report *XXXX XXXX ACCT # ending in XXXX reporting inaccurately please delete the account from the report *XXXX XXXX ACCT # ending XXXX reporting inaccurately please remove derogatory remarks such as late payment and update the account as paid as agreed. 

*HARD INQUIRY PLEASE REMOVE!! XXXX XXXX, XXXX XXXX XXXX XXXX immediate deletion of all negative or derogatory accounts on the consumer credit profile reported above such as late payment and hard inquaries on Experian, XXXX, and XXXX. These accounts don't pertain to permissible purposes and 15 USC 1681 ( c ) states no adverse items besides the conviction of CRIMES should be on the consumer credit profile and any item that is derogatory mark is not allowed into the consumer reports. 

2. CORRECTION of personal information. There should only have one name ( XXXX XXXX ) Address ( XXXX XXXX XXXX XXXX TX XXXX ) Employers ( None ) immediately delete anything else that doesn't contain to this information such as BIRTH YEAR, ALIAS NAMES, ALL OTHER ADDRESS ARE NON MAILABLE ADDRESSES. 

3. REMOVE ALL HARD INQUIRIES, I DO NOT HAVE ANY EXTENSION OF CREDIT WITH THESE INQUIRIES. 

4. According to 15 USC 1681 ( c ) states no adverse items besides the conviction of CRIMES should be on the consumer credit profile and any item that is derogatory mark is not allowed into the consumer reports. Immediate notation of this Code in Experian, XXXX, and XXXX systems concerning my consumer report. 

I've included in attachments to verify my name, current address, and proof of the disputes.

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 non-monetary relief