Consumer complaint received 2024-03-10 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: AZ

Complaint narrative:
Experian, XXXX, and XXXX XXXX have violated and do not comply with the rules, and regulations that were placed for the consumer protection. Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction of the individual to whom it relates. That is a violation Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority.

Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Experian, XXXX, and XXXX XXXX have all violated the law I WANT EVERY HARD Inquiry, pool And every SOFT inquiry, pool to be removed IMMEDIATELY FOR VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ) and pertaining to THE PRIVACY ACT OF 1974 ( 5 U.S CODE SEC 552a ) have reached out to the company via phone to no avail, as they continue to use deceptive practices to cause me harm. 15 U.S CODE 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, 15 U.S CODE 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 15 US CODE 1601 ( a ) The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices, to make all lawful changes pursuant to 15 USC 1681a ( 2 ) ( A ) ( iii ) -The consumer is supposed to be given a chance to direct the information they want to be directed, they have not done so nor have they made the changes to be compliance with the FCRA as required by law. The company claims they verified accounts but provided NO VALID PROOF of this, including no method or steps of verification. Pursuant to 15 USC 1681i ( 6 ) ( B ) ( iii ) and 15 USC 1681i ( 7 ) I am requesting a FULL description of the procedure used to determine the accuracy and completeness of the information. This should include ( but not limited to ) the answers to the following questions for each account claimed to be verified : What was the method of verification used during your reinvestigation of the verified accounts? 1. Who did you speak to? 2. From what department? 3. What is their employee id or code or personal identifier? 4. What contract did they provide you when you verified these companies had my written consent to share my personal information with you? Provide it as evidence. 5. Was this account authorized by my credit card? 6. Did they provide anything other than alleged transactions and experiences as mentioned in 15 USC 1681a ( 2 ) ( A ) ( i )? Do you have any contract with me or written consent from me where I give you permission to furnish this account? Do you have any documentation/evidence on file of you notifying the consumer that this negative information was being reported to you before you added it to the report? Provide the negative information notice pursuant to 15 USC 1681s-2 ( 7 ) ( A ) ( i ). Pursuant to 15 USC 1681 ( b ) -You must follow reasonable procedures and must be fair and EQUITABLE to the consumer. Taking a persons word without proper evidence is NOT fair nor is it equitable to the consumer when this causes harm to the consumer. In addition, 15 USC 1681s-2 ( a ) ( 1 ) ( A ) states You shall not furnish information about a consumer if you have reasonable cause it may be inaccurate. An entire CFPB complaint clearly is reasonable cause yet XXXX continue to willfully furnish inaccurate and ILLEGAL information. EXPERIANXXXX XXXX XXXX XXXX XXXX are in violation of : 1. 15 USC 1681 ( A ) ( 4 ) - Right to privacy-furnishing private information about me without any lawful authority or my written consent. Provide evidence of written consent signed by the consumer ; 2.15 USC 1681a ( 2 ) ( A ) ( iii ) -The consumer is supposed to be given a chance to direct the information they want to be directed, as they consistently refuse to update consumer information as directed nor will they produce ANY proof that they have been provided with my written consent to furnish ANY of my private information because none exists ; 3.15 USC 1681s-2 ( a ) ( 1 ) ( A ) - You shall not furnish information about a consumer if you have reasonable cause it may be inaccurate. A complaint is reasonable cause ; 4.15 USC 1681e ( b ) -Must maintain maximum possible accuracy. They refuse to make it accurate with the necessary changes provided as directed ; 5. 15 USC 1681a ( 2 ) ( B ) -If a transaction was authorized by a credit card it can not be reported. Pursuant to 15 USC 1602 ( L ) The term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor or services on credit. ALL transactions reported on the consumer report were authorized by my credit card. 6. 15 USC 1681 ( b ) -You must follow reasonable procedures and must be fair and EQUITABLE to the consumer. Their procedures are neither fair nor EQUITABLE when they havent lawfully obtained my written permission to have my personal information nonetheless SELL said private personal information without any due consideration. XXXX sees that as done what ought to be done. As they have been notified but refuse to update consumer information pursuant to 15 USC 1681o ( a ) ( 1 ) -Negligent compliance, these are willful violations and pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) - Willful failure to comply with any requirement under the FCRA is damages up to { {$1000.00} } per violation. 15 USC 1681b ( a ) ( 2 ) -Credit Report Agencies need written instruction to make a consumer report by the consumer. 15 USC 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 defines Identity theft as a fraud committed or attempted using the identifying information of another person without their authority

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