Consumer complaint received 2024-02-29 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: IA

Complaint narrative:
The accounts in question are the following public records about XXXX, Experian, and XXXX. The reported accounts are reporting inaccuracies. 15 U.S.C. 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681e of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b. According to the Fair Credit Reporting Act 15 U.S.C. 1681 section 602 ( a ) states 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. 
XXXX, Experian, and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information is not shared, which is backed by 15 U.S.C. 6801 - 6805. XXXX, Experian, and XXXX is reporting inaccurate misspellings of my name. Inaccurate mailing addresses. As well as an inaccurate credit scores, inconsistent with other major credit reporting agencies. These errors should be removed and updated with my correct name, address, and credit scores. Promotional and hard inquiries should also be removed because I never consented for my personal information to be disclosed. XXXX has reported XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. Experian has reported XXXX XXXX XX/XX/XXXX. All without my knowledge or consent. XXXX, Experian, and XXXX have also violated the Family Educational Rights and Privacy Act ( XXXX ) laws, by reporting the US Department XXXX XXXX XXXX XXXX, late payments ( XXXX total months ), income, and utilization on the following accounts : XXXX and XXXX, under title 20 U.S.C. 1232g and 34 CFR 99. Reporting transaction history is illegal and I ask for these accounts to stay on my report but to be updated to paid as agreed. 15 U.S.C. 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 : per the written instructions of the consumer to whom it relates. The US Department of Education XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX, and the consumer reporting agencies XXXX, Experian, and XXXX do not have my consent to furnish this information. They surely do not have my written consent. Any consent to XXXX, Experian, XXXX, and the US Department of Education whether it be verbal, non-verbal, written, implied, or otherwise, is revoked. Also, any utilization should stop being reported on my credit report 16 CFR 313, 433. ( 2 ) ( 3 ). 15 U.S.C. 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. The US Department of Education and XXXX  XXXX XXXX ( Nelnet ) never informed me of my right to exercise my nondisclosure option. Not only that 15 U.S.C. 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 and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. These accounts are adverse items that they are reporting again without my permission which is against the law. 
15 U.S.C. 1681s-2 ( 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.C. 1681 ( e ) 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 1681 ( b ) of this title. XXXX, Experian, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that A consumer may exercise the right to opt-out at any time. 12 CFR 1016.4 says that they must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to consumers. Enclosed is a copy of documents showing that the items listed are obsolete. Please reinvestigate my account by contacting me in addition to the furnishers of this information along with forwarding this letter and all relevant enclosures to the reporting company and a copy to me for confirmation of your action. Please do not merely contact the company electronically without providing a copy of this letter and all relevant enclosures. 
It is my clear understanding that you are required to maintain strict procedures to ensure that whenever public record information, which is likely to have an adverse effect on a consumer is reported to be complete and up to date. Please complete your investigation within 30 days as permitted by law and mail the results to me. If not resolved I will have no other option but to hire a law firm on my behalf to enforce consumer rights under the FCRA and seek all possible.

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