Consumer complaint received 2024-05-19 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: GA

Complaint narrative:
I was looking at my consumer report and trying to get a better understanding of what all was taking place this is my account I am currently on time but I informed the creditor pefcu that I had been in a bad car accident not only did it have me not able to work for a period of time i also lost my job from XXXX who is my creditor I am looking at the laws that state I am to ( b ) Opt out ( XXXX ) In general A financial institutionmay not disclose nonpublic personal information to anonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 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 consumercan exercise that nondisclosure option. 
option. 
( XXXX ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to anonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or morefinancial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if thefinancial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.

The law states also 1692 I have the right to refuse payment on things that shouldnt be on my consumer report but being as they assumed a vital role and XXXX has set certain laws in place I would like to send over a 1099 oid also the form 56 and 1099 oid ab also the 1040 and the 8281 as they are now banned from calling me or faxing me I am also sending them over a true bill under title 15 and they have now violated title 15 as if they are above congress and under title 15 you violate me any further I can sue you as I dont not owe third party debt collectors anything blacks law 4 edition title 1692 as what I thought was loans where actually deposits 15usc 1692 c ( c ) 1692 ( a ) and ( b ) 1692a ( 1-4 ) Please 1692f also states false representation.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer agency can not furnish an account without my written instructions.

U.S.C 1681c ( a ) ( 5 ) section states : 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.

15 U.S.C 1681s-2 ( a ) ( 1 ) 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. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be 100 percent accurate.

15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights.

they are reporting transactions that was against the law they are violating my rights to privacy ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among personsrelated by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among personsrelated by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among suchpersons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among suchpersons ; these persons know and have known what happened and what is going on I am on time now I have corrected everything but couldnt predict a car accident that would make me lose my source of income and cause any late payments Ive ask the company to remove any late payment on the account due to my person circumstances and would like them to remove the late transactions due to those that they are well aware of the account XXXX XX/XX/2023 is XXXX XXXX XXXX XXXX which is my bank and my financial loan for a vehicle that I do own but the laws still states there not to report solely to transactions.

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