Consumer complaint received 2024-05-21 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:
I pulled a copy of my ( XXXX ) credit reports from XXXX, XXXX and Experian and noticed erroneous accounts that need to be immediately DELETED. 

Account Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have a RIGHT TO PRIVACY under 15 USC 1681A ( XXXX XXXX as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act. 

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed there were MULTIPLE charge offs on my credit report that need IMMEDIATE DELETION. My Consumer rights have been violated by Experian, XXXX and XXXX. XXXX has violated my consumer rights and violated federal law ; I have proof in 15 USC 1681B ( XXXX ) of the Fair Credit Reporting Act, which is noted below, 15 USC 1681B ( XXXX ) - permissible purposes of consumer reports, THE LAW XXXX XXXX : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 

I did NOT give your agency written authorization or written instructions to report this information. 

YOU have not only violated the Fair Credit Reporting Act, but your agency has committed aggravated identity theft and I've sustained defamation of character just to name a couple damages should this matter escalate to court. 

that is reporting the collection, has violated my consumer right as well, which is noted below in 15 USC 6802, so you are both liable for a lawsuit in conspiring against me if this matter doesn't get resolved privately now.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, THE LAW CLEARLY STATES : ( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party. 

( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

A. Company ( XXXX ) did not disclose to me the consumer that the information reported would be disclosed to the third party the consumer reporting agencies. 

XXXX Companys ( XXXX ) did not give me an opportunity to direct such information to be disclosed. 

XXXX XXXX ( XXXX ) did not give me the consumer an explanation of how I could exercise the non-disclosure option. 

The law basically states if all XXXX of these disclosures were not provided to me that this is a direct violation of the law and I have the right to exercise opting out. 

All these XXXX disclosures were not met ; therefore, I am demanding to opt out of having my information reported and demanding the reporting information to be DELETED from my consumer report OR I will seek to take legal action against your agency for willfully violating the law after I've clearly explained to you how you've violated me numerous times. 

This is also a clear violation of 15 USC 1681s-2 as well as this is INACCURATE information on my credit report.

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