Consumer complaint received 2025-03-11 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:
Id like to bring to awareness that I have recently received my credit report, and have found many violations pursuant to The Privacy Rights Act of 1974, The Gramm-Leach Bliley Act, and last but not least the Fair Credit Reporting Act. As A result XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has obtained my nonpublic personal information as a result of material misrepresentation, fraud, and identity theft pursuant to 15 U.S.C. 1681a and Texas Penal Law 521.051 ( a ). IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in unlawful possession of the consumer 's private financial information and have used and shared it with third parties which include but may not be limited to consumer reporting agencies without consent. I am formally asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681, Section 602 ( a ), which underscores the importance of consumer privacy and the responsibilities of consumer reporting agencies to act fairly and impartially. Secondly, Under 15 U.S.C. 1681 ( d ), a consumer report must be fair, accurate, and free from biased or discriminatory observations. However, ( TransUnion, Experian, and Equifax ) have failed to ensure the accuracy of my consumer file. They have allowed prohibited transactions and experiences to be reported, which has resulted in adverse actions against me, including denials of credit and other financial opportunities. According to 15 U.S.C. 1681a ( g ), a consumer file includes all information recorded and retained by a consumer reporting agency, regardless of how it is stored. TransUnion, Experian, and Equifax have violated this provision by including inaccurate, outdated, and prohibited information in my consumer file, which has adversely affected my creditworthiness and financial standing. Furthermore I HAVE REACHED OUT TO TRANSUNION, EQUIFAX, and EXPERIAN multiple times to no avail. As a result of this fraud and the Accessory actions of TRANSUNION, EQUIFAX, and EXPERIAN by continuing to report this information, not properly investigating this matter and using extortionate means to stop the consumer ( Myself ) from taking advantage of the consumers FULL FAITH IN CREDIT, I the consumer have faced, much distress, homelessness and loss of funds. According to 18 USC 42 Section 894 Whoever Knowingly participates in any way, or conspires to do so, in the use of any extortionate means to ( 1 ) to collect or attempt to collect any extension of credit or ( 2 ) Punish any person for the non repayment thereof, shall be fined under such title or imprisoned not more than 20 years or both. INXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, and Equifax to report these prohibited items on my consumer file, RESULTING IN ADVERSE ACTIONS against ( me ) the consumer. According to 15 U.S.C. 1681 ( 3 ) ( A ) ( f ) Credit Reporting Agencies refers to anyPERSON that, for a fee, dues, or on a cooperative nonprofit basis, regularly participates, fully or partially, in the collection or assessment of consumer credit information or other data about consumers. This is done with the intention of providing consumer reports to third parties, utilizing any means of interstate commerce to prepare or deliver these reports. Furthermore According to 15 U.S.C. 1681 ( a ) ( 5 ) states except as authorized under subsection ( b ) no consumer reporting Agencies may make any consumer report containing ANY ADVERSE items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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