Consumer complaint received 2024-12-26 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: NJ

Complaint narrative:
My information has been compromised, and exposed to several data breechs. I was recently released from my employer XXXX XXXX, and denied credit due to inaccuracies reporting on my consumer report. I am promised accuracy on my consumer report based on federal law. 

The following credit agencies are reporting inaccurate, non mailable addresses which I can not received mail and do not live. Remove all XXXX addresses listed below immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


The following accounts are inaccurately reporting. All inaccurate, and derogatory remarks need to be removed. Any collections reported needs to be removed I did not authorize any XXXX parties company accessing my information. ( XXXX XXXX XXXX ) According to the creditors terms and conditions my information was not to be shared with any third parties or affiliates. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas listed as a charge off on XXXX creditor and their trustee collected payment from me on XX/XX/XXXX. This account doesn't belong to me, remove immediately.How was this account listed as a charge off, and the creditor accepted a payment from me in the total of {$270.00} on XX/XX/XXXX. A CHARGE OFF IS A CERTIFICATE OF INDEBTEDNESS WHICH MEANS IT IS INCOME AND MUST BE REMOVED.THE LAW STATES THAT IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. 


XXXX. XXXX XXXX - XXXX Remove Account Immediately ( XXXX XXXX XXXX ). This collection agency has been harassing me and taking payment out of my account in the amount $ {$110.00}. This is illegal. I don't have any contract with them. 


XXXXXXXX XXXX XXXX XXXX  Remove Account XXXX XXXX not belong to me. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX - Remove Account Immediately. ( XXXX XXXX XXXX ). 

According to these laws listed below this is breech of my privacy rights, which have been violated from credit agencies, creditors, trustee indentures, XXXX XXXX, XXXX, and XXXX XXXX, and several third parties. 

XXXX. ) 15 U.S.C 1681 SECTION 602, 15 U.S.C. 1692 States I have the right to privacy.

2. ) 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions. I never gave any credit agency or collection agency permission.

3. ) 15 U.S.C 1681 B ( 2 ) States if I did not give permission to have anything on my credit report it is not suppose to be there.

4. ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 5. ) 15 U.S. Code 6803 - Disclosure of institution privacy policy 6. ) 15 U.S. Code 6804 - Rule-making ( A ) In general Except as provided in subparagraph ( C ), the Bureau of Consumer Financial Protection and the Securities and Exchange Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to financial institutions and other persons subject to their respective jurisdiction under section 6805 of this title ( and notwithstanding subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ] ), except that the Bureau of Consumer Financial Protection shall not have authority to prescribe regulations with respect to the standards under section 6801 of this title.

7. ) 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; 8. ) 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. - EXPERIAN, XXXX, OR XXXX NEVER MAILED ME OPT OUT NOTICE. 

XXXX. ) XXXX XXXX XXXX - XXXX of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of XXXX ( a ). 

XXXX. ) XXXX XXXX XXXX ( b ) states a creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for 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