Consumer complaint received 2024-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
In the Fair Credit Reporting Act, 15 USC 1681 section 602 states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies and I am the consumer. I have the right to make sure that my private information is not shared. Which is stated 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. '' Underneath this title, by definition ( furnisher of information to credit agencies ) is a financial institution. Under 15 USC 1681 section 604 a section 2, it states, " 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, '' The ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, 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, XXXX, and Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is now revoked. According to 15 USC 6802 ( b ) ( c ) it states, " A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The ( Furnisher of information credit agencies ) never informed me of my right to exercise my nondisclosure option. Not only that, but according to 15 USC 1681 ( a ) ( 5 ) it 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. Also under 15 US Code section 1681a, which is Definitions ; rules of construction ; in ( 2 ) Exclusions, it states, Except as provided in paragraph ( 3 ), the term consumer report, does not include- ( A ) ( i ) which states, report containing information solely as to transactions or experiences between the consumer and the person making the report. Reporting transaction history is illegal. My XXXX XXXX XXXX XXXX XXXXXXXX has been reported with history on all 3 credit reports. It is against the law and I want it deleted off of all 3 of them immediately. According to the IRS, charge offs are considered a certificate of Indebtedness. And a certificate of Indebtedness is considered income and income can not be reported on my credit report. So all accounts that have been charged off, must also be deleted off of all XXXX credit reports immediately. These accounts include my XXXX XXXX acct and my XXXXXXXX XXXX  acct. As stated above, reporting transaction history is illegal, and that includes inquiries. I want all Hard and Soft inquiries deleted off of all 3 credit reports immediately. The only account that should be on all 3 credit reports is my satisfactory and only current account, the one with XXXX XXXX XXXX. Under 15 US Code section 1681-2 ( 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. Unfortunately I was not able to pull my credit report from XXXX. However, I did get mine from both XXXX and Experian. Both of them have inaccurate information on them. and I would like to have them removed. However I would also like it removed from XXXX as well. My XXXX XXXX account only shows up on my Experian report and no others. If my credit reports were already accurate, then wouldnt this show on my other ones as well? Because of this inaccuracy, I want this account to be deleted off of Experian completely. As for the rest of my information, the only mailable address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and no other. My only name should be XXXX XXXX and no other. My only cell phone should be ( XXXX ) XXXX and no other. I have previously stated these in my XXXX complaint. However, XXXX still has an additional name that does not belong on my report. Under 15 US Code section 1681 ( e ) it states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. '' XXXX, XXXX, and Experian are not maintaining reasonable procedures. Also, under 12 CFR section 1016.7 it states, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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