Consumer complaint received 2025-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian and XXXX XXXX consumer reporting agencies and I am the Consumer. These agencies have failed to do so. 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. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( also reported under the names, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all frurnisher of information to the XXXX ( XXXX ) credit agencies, XXXX, Experian and XXXX, who are also subjects named in this complaint. ) The above-named furnishers of infornation are financial institutions 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. ''The above-named furnishers of information to the XXXX ( XXXX ) credit agencies, the financial institutions above-named and the Consumer reporting agencies XXXX, Experian and XXXX XXXX do not have my consent to furnish this information and they surely did not ever have nor do they currently have my written consent. Any and all consent to the above named companies, who are turnishers of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. Additionally 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. The above named financial instututions, who are the furnishera of information to XXXX, Experian and XXXX ) 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. Moreover, 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, Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Finally, THE CFPB MUST NOTE THAT ALL OF THE ABOVE-NAMED FINANCIAL INSTITUTIONS COMPLAINED OF AND XXXX, Experian and XXXX, the consumer reporting agencies FILED KNOWINGLY FALSE RESPONSES WITH THE CFPB. CLAIMING THEY PROPERLY VERIFIED THE FURNISHED INFORMATION THEY REPORTED ON MY CONSUMER CREDIT REPORTS XXXX. IN XXXX I FILED SEVERAL CFPB COMPLAINTS FILED AGAINST THEM FOR REPORTING AND ALLOWING THESE SAME FINANCIAL INSTITUTIONS TO REPORT THESE INACCURATE, UNVALIDATED ACCOUNT INFORMATION ON MY CREDIT REPORTS. I have reviewed all XXXX  ( XXXX ) reports on XX/XX/XXXX. I found all the information to be different for the same reporting financial institutions and furnishers of theWHOLLY, inaccuarate above-named. The above named financial institutions reporteddifferent account information to each credit agency. My Experian cosumer credit report, has different account opened, closed and last payment made dates, than XXXX and XXXX. The same XXXX XXXX XXXX  Account, under identical account number is reported twice with different open, close and last payment made dates. Accounts are labled incorrectly, how does a fiancial instution report its self as type as Overdraft / reserve checking account on one cosumer report but a trade line on the other, and something else in response to complaint XXXX filed on XX/XX/XXXX. The CFPB Must review XXXX XXXX XXXX response to complaint XXXX. They claimed they can validate and very accurate reporting. It is clear from what is visible as day from my XX/XX/XXXX credit reports. They inaccuartely reported information on my credit reports. The information is not accuurate. XXXX XXXX XXXX and all XXXX  ( XXXX ) credit agences, XXXX, Experian and XXXX should be fined for filing false reponses in XXXX regarding the verifcation of acccuray of the reported informtion, Which they could not have done. If a year later they are still reporting in accurate information. I have forwared the XXXX responses to the Attorney General, just in case the CFPB allows the credit agencies and the above-named financial institutions to file responses claiming they verified these inaccuricies in response to this new XXXX complaint,.

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