Consumer complaint received 2024-04-07 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: OH

Complaint narrative:
Request for Removal of Late Payments Under 15 USC 1666b, Unauthorized Inquiry and Request for Investigation Under 15 USC 1681s-2 and Privacy Act of 1974 ( 5 U.S. Code 552a ) Unauthorized Inquiry Pursuant to 15 USC 1681 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 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, XXXX are not maintaining reasonable procedures. 

Under the provisions

of 15 USC 1666b, consumers have the right to address and dispute inaccurate information that may be damaging to their credit history. I am confident that the late payments in question do not accurately reflect my creditworthiness and financial responsibility. I am writing to dispute an inquiry that appeared on my credit report without my authorization. Pursuant to the Fair Credit Reporting Act ( 15 USC 1681 ), I am formally stating that I never provided written consent or my wet signature to allow the furnishing or obtaining of any information pertaining to my credit history. Ive also reached out to XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX I have not received any information from the company to provide me with the info that has been requested. 
I am writing to dispute an inquiry that appeared on my credit report without my authorization. Pursuant to the Fair Credit Reporting Act ( 15 USC 1681 ), I am formally stating that I never provided written consent or my wet signature to allow the furnishing or obtaining of any information pertaining to my credit history. Ive also reached out to Upon reviewing my credit report from XXXX, Experian This XXXX File Number : XXXX. Also show that Experian has provided information to XXXX without my consent and to other companies that are listed below without my consent. The file will be uploaded to the system. Per inquiries does not have an account number attached to them. 

The Bankruptcy courts do not report or provide information to any consumer reporting agencies. Bankruptcy filings are public records open to examination by law, 11 U.S.C. 107 ; XXXX. XXXX XXXX. XXXX XXXX, XXXX. Bankruptcy courts are not responsible for verifying or validating information in consumers credit reports. Please Prove to me with my written consent and the name of the agent I spoke to given my consent showing that I provided PACER ( Public Access to Court Electronic Records ). 
Name Corrections address and phone number requested to be updated through With the company has also been requested XXXX XXXX is not my name and is not a Alias Name, Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX and Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX are not my address This was conducted without my explicit authorization, as I have never engaged in any transactions, agreements, or contracts that would grant your company permission to access my credit information. 

It is important to emphasize that under the Fair Credit Reporting Act, any entity seeking to obtain a consumer 's credit report must first obtain written consent or authorization directly from the consumer. Failure to adhere to these legal requirements constitutes a violation of federal law. 

Given the circumstances explained above, I am formally requesting that you provide immediate proof demonstrating my alleged authorization for the aforementioned inquiry. If you fail to provide satisfactory evidence of my consent within 30 days from the date of this letter, I reserve the right to pursue legal action to address this violation. 

Please be advised that any further unauthorized inquiries or adverse actions taken against my credit profile without my explicit consent will be met with legal recourse in accordance with the protections granted under the Fair Credit Reporting Act. 

I look forward to your prompt and appropriate response to this matter. If you have any questions or require further clarification, please do not hesitate to contact me using the information provided above.

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