Consumer complaint received 2023-11-18 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:
Experian is saying in attempt to aviod my initial complaint numbered ( XXXX ) against them directly by saying they investigated with the company the information while they are also admitting in the same breath under penalty of perjury of violating my privacy. My complaint is against experian directly for violating my privacy by not contancting me directly giving me the right and opportunity to ensure the information is accurate nor did they ask me in the intial investigation or reinvestigation if i consented to the transaction or report. Nor was i given the opportunity to opt out of the information being reported by the financial institutions. They directly infringed on my right to privacy per 15 usc 1681 ( a ) ( 4 ) as they have a grave responsibility to fairness, impartiality, and respect to my privacy. They have been so unfair they did not even know what was unfair until I said something inside the prior cfpb complaint number XXXX. Congress stated that experian assumed this role and Noone gave them permission and they must be fair. congress also states that the banking system is dependent on fairness and accurate reporting systems and agencies and if they aren't accurate they can hurt and destroy the banking system. Which they have not made me confident in going inside the bank to extend my credit anywhere. I've also been denied the opportunity to extend my credit. This has been a direct result also of defamation of character. They've hurt my consumer report by making false and fictitious statements being the non affiliated 3rd party in the matter per 15 usc 6802 and not providing me with the information or system used to give evidence that I was given clear opportunity to have the information not disclosed or given to them in the intial consumer credit transaction. We asked for this evidence and the reports be removed in the prior cfpb complaint # XXXX and, did not. just them further admitting to injury of me. Per 15 usc 1681 ( a ) ( d ) ( 2 ) ( a ) iii This is a direct breach of my privacy. I've also made notice in my prior complaint affidavits that they did not adopt the right procedures to meet the needs of commerce for consumer credit. Furthermore according to 15 usc 1681 ( a ) ( 2 ) an elaborate mechanism must be developed for investigating and evaluating credit worthiness, credit standing, credit capacity, character and general reputation for consumers. Experian deceptive forms made creditors think I was in debt and did not properly prove the validity and if the debts were valid they created a false impression that I was not able to pay the alleged debts without having proper information or consent to reporting. As ive also shared the correspondence of said creditors in the attachments sections. Again ive been discriminated against and denied the right to extend credit. Ive also suffered emotional and fininaical hardships. Therefore experian is liable per 15 usc 1681 ( o ) if this request is accepted, I will not escalate this matter to the federal court. Deletion of the following consumer reports ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Also pay the attached invoice.

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