Consumer complaint received 2024-03-04 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:
After reviewing my consumer report I noticed that there were inaccurate accounts and information on my consumer report.These inaccuracies include incorrectly reported late payments, credit utilization details, and personal information such as names, addresses, phone numbers, and employers. Under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681, consumer reporting agencies like XXXX, Experian, and XXXX are mandated to handle their responsibilities with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the inherent right to protect my private information, supported by 15 USC 6801, emphasizing the obligation of financial institutions, including information furnishers, to uphold customer privacy and safeguard nonpublic personal information.According to 15 USC 1681, Section 604 ( a ), consumer reporting agencies must strictly adhere to the written instructions of the concerned consumer. I assert that XXXX, Experian, and XXXX, as furnishers of information to credit agencies, lack the right or written consent from me to furnish my information. I hereby revoke all forms of consent, whether verbal, non-verbal, written, or implied. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information without proper authorization, which, in this case, violates the law. Reporting transaction history is deemed illegal under this code. Lastly, 15 USC 1681 ( c ) states that no adverse items, besides convictions of crimes, should be on the consumer credit profile. Any derogatory mark added to the consumer report without written consent could be considered identity theft under 12 CFR 1022.3. In light of the above, I request the following actions : Immediate deletion of all negative or derogatory accounts on the consumer credit profile from XXXX, Experian, and XXXX. Creditor : XXXX XXXX XXXX XXXX Account Number XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602a.I have a right to privacy. Creditor : XXXX XXXX XXXX Account Number # XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602a.I have a right to privacy. Creditor : XXXX XXXX XXXX Account Number # XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602a.I have a right to privacy. Creditor : XXXX XXXX XXXX Account Number # XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX has violated my rights 15 USC 1681section 602a. I have a right to privacy. Creditor : XXXX  XXXX Account Number # XXXX. In accordance with the Fair Credit Reporting Act XXXX  XXXX has violated my rights 15 USC 1681 section 602a. I have a right to privacy. Creditor : XXXX  XXXX Account Number : opened XX/XX/2017 In accordance with the Fair Credit Reporting Act XXXX  XXXX has violated my rights 15 USC 1681 section 602a.I have the right to privacy. Creditor : XXXX/Dept.of ED Account Number XXXXIn accordance with the Fair Credit Reporting Act XXXX/Dept.of ED has violated my rights 15 USC 1681 section 602a.I have a right to privacy. Creditor : XXXX XXXX XXXX Account Number # XXXXIn accordance with the Fair Credit Reporting Act XXXX XXXXXXXX  XXXX has violated my rights 15 USC 1681section 602a.I have a right to privacy. Creditor : XXXX XXXX  XXXX  Account NumberXXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602a. I have a right to privacy. Creditor : XXXX XXXX XXXX Account Number # XXXX accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602a. I have a right to privacy. Creditor : XXXX XXXX XXXX Account Number # XXXXIn accordance with the Fair Credit Reporting Act XXXX XXXXXXXX has violated my rights 15 USC 1681 section 602a. I have a right to privacy. Creditor : XXXX XXXX XXXX Account Number : XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602a. I have a right to privacy. Creditor : XXXX XXXX Account Number # XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX  has violated my rights 15 USC 1681section 602a. I have a right to privacy. Creditor : XXXX XXXX XXXX Account Number # XXXX. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 1681 section 602a.I have a right to privacy. Creditor : XXXX Account Number # XXXX & XXXXIn accordance with the Fair Credit Reporting Act XXXX has violated my rights 15 USC 1681 section 602a.I have a right to privacy. Removal of credit utilization details ; it should only display the amount of the credit line, not the utilization level. This information is private between me and the financial institution. Immediate update across all three credit agencies.Correction of personal information to include only one name ( XXXX XXXX XXXX ), one address ( XXXX XXXX XXXX XXXX XXXX, Tx. XXXX ), one phone number ( ( XXXX ) XXXX ) and XXXX and U.S. Post Office as my employers. Immediate deletion of any information that does not conform to this.Immediate deletion of personal statements on the XXXX, Experian andXXXX consumer report and balancing of credit scores. Immediate notation on the consumer credit profile, citing 15 USC 1681 ( c ), which states that no adverse items, besides the conviction of crimes, should be present. This notation should be made in XXXX, Experian, and XXXX systems. I have also noticed some unauthorized inquires unverified and unauthorized items must be removed. I have listed the items I would like to dispute below.The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under section 604 of the Fair Credit Reporting Act ( FCRA ) explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ). This advisory opinion also reminds consumer report users that FCRA section 604 ( f ) strictly prohibits a person who uses or obtains a consumer report from doing so without a permissible purpose.

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