Consumer complaint received 2024-04-15 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: NY

Complaint narrative:
After my initial communications with Experian in regards to removal of certain information be removed from my consumer report, inaccurate and unlawful reported information remains of my consumer report i and as a federally protected consumer per the FCRA, I want this information removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, new york XXXX XXXX XXXX This is the only true and correct representation of me as a consumer.

Experian is in violation of- 15 U.S. Code 1681b ( 2 ) - ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They have disclose my information with XXXX, XXXX, & XXXX XXXX XXXX with out my consent and i want this information removed in accordance with the law. 

Experian is in violation of- 15 U.S. Code 1681a- ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( 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 ; Experian is reporting charged off accounts and transaction history and i want this information removed in accordance with the law.

I will also note that IRS publication 4681 states discharged debt {$600.00} or more is reportable income and is only made possible with IRS form 1099. This event is federal tax information and IRS publication 1075 states this information is not to be disclosed without the supervision or at the direction of the IRS, if even at all.

Experian is in violation of 15 U.S. Code 1681e ( b ) - ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Experian continues to report non-mailable addresses, no service phone number and emails, and inaccurate and misspelled variations of my name. I want this information removed or corrected as need in accordance with the law. I am entitled to a fair and accurate consumer report per the FCRA.

Experian has violated my rights and privacy via the Privacy Act of 1974- Conditions of Disclosure to Third Parties A. The " No Disclosure Without Consent '' Rule 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 [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

The information Experian has disclosed has been done so with out my consent.

I require the inaccurate information be removed and corrected as needed.

I will be contacting the FTC, THE IRS COMMISSIONER, THE DEFENSE INFORMATION AGENCY, AND THE CONSUMER FEDERATION OF AMERICA, if these issues are not resolved.

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