Consumer complaint received 2024-08-23 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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX  and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

Also as a consumer i will express I am writing out of sheer frustration and anger regarding the unauthorized entries on my credit reports from XXXX and XXXX. These entries are not just unjust ; they are in blatant violation of my rights under the Family Educational Rights and Privacy Act ( FERPA ), specifically 20 USC 1232g, and the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. Under FERPA, I am entitled to : 1. **Inspect and Review Records** ( 20 USC 1232g ( a ) ( 1 ) ) : I have the undeniable right to access my educational records, and I expect transparency, not secrecy. 2. **Request Amendments** ( 20 USC 1232g ( a ) ( 2 ) ) : I will not tolerate inaccuracies. I demand the right to correct any misleading information that tarnishes my reputation. 3. **Control Over Disclosure** ( 20 USC 1232g ( b ) ) : My educational records can not be disclosed without my explicit written consent. This is non-negotiable, and any violation is unacceptable. The unauthorized entries on my credit report are a shocking invasion of my privacy and a serious threat to my financial stability. The emotional distress this situation has caused me is significant, and I am furious that I have to fight to protect my rights. I demand the immediate removal of all entries that do not comply with these laws. I expect a prompt response outlining the steps you will take to rectify this egregious violation within 30 days. Should you fail to address this matter satisfactorily, I will not hesitate to escalate my complaint and pursue all available legal remedies. This is an urgent matter, and I expect nothing less than swift action.

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