Consumer complaint received 2024-03-21 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: IL

Complaint narrative:
The Fair Credit Reporting Act 15 USC 1681 section 602 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 are consumer reporting agencies and I am the consumer. They have failed to adopt reasonable procedures, 15 USC 1681 section 602 ( b ), for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I have a right to make my sure private information is not shared which is supported 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, Experian and XXXX XXXX are all reporting non public personal information received from the Department of EducationXXXX , XXXX XXXX , USDOEXXXX, XXXX, DEPARTMENT OF EDUCATION XXXX XXXX  , which are financial education servicers, which is also in violation of the Family Educational Rights and Privacy Act of 1974 and the Privacy Act of 1974. These reports all contain Student Education Records and transaction history for the same, which is a violation of 20 USC 1232g ( b ) and 15 USC 1681 section 602a ( A ) ( i ) and 5 USC 552a. 15 USC 1681 section 604 a2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish consumer report under the following circumstances and no other : in accordance with written instructions of the consumer to which it relates. I have not given any credit reporting agency written instructions to include any exclusions, financial information, adverse information, transaction information, or student education records on my credit reports. These violations also fall under 15 USC 1681 section 602e ( b ) as I have tried to resolve these issues to no avail. XXXX, Experian, and XXXX XXXX have all demonstrated willful non compliance according to 15 USC 1681section 602n as they had a full understanding of these violation as I have communicated this to them prior to this complaint. Any and all consent to XXXX, Experian, XXXX XXXX, and Department of EducationXXXX , whether it be verbal, non-verbal, written, implied, or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public 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 Department of Education/ XXXX XXXX XXXX XXXX , USDOEXXXX XXXX XXXX, DEPARTMENT OF EDUCATION XXXX 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 section ( b ), no consumer consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years. These accounts are adverse items they are reporting, again without my permission, which is against the law. 15 U.S. Code 1681s-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. 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 1681b of this title. XXXX, Experian, and XXXX 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 all financial institutions disclosure of my non public personal and financial and educational information to non affiliated third parties. In conclusion, I have been severely damaged by the reporting of the private educational transaction since 1996 according to the credit reports. This has adversely affected me and stopped me from being able to live the American Dream. I never knew it was illegal for them to report these financial transactions until now. At almost XXXX XXXX XXXX, I have been denied the use of credit cards, buying cars, buying homes, denied employment, denied business credit and business loans, and bank accounts because of this reporting. These VIOLATIONS include : 20 USC 1232g ( b ), 5 USC 552a, 15 USC 1681 section 602 to include : 15 USC 1681 section 602 ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681C ( a ) ( 5 ), 15 USC 1681c-2 ( b ), 15 U.S. Code 1681e, 15 USC 1681 section 602e ( b ), 15 USC 1681o , 15 USC 1681o ( 1 ), 15 USC 1681s-2 , 15 U.S. Code 1681s-2 ( A ) ( 1 ) A, 12 CFR 1016.1 ( a ) ( b ), 12 CFR 1016.4 ( a ), 15 USC 1681 section 604 a2, 15 USC 1681 section 602e ( b ), and 15 USC 1681section 602n.

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