Consumer complaint received 2024-02-03 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:
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' 15 U.S. Code 1681 section 602 a state. XXXX, XXXX, and Experian are consumer reporting agencies, and I am the Consumer its their job is to protect the Federally protected consumer. Those Consumer reporting agencies have failed me multiple times causing economic hardships because of these adverse reporting by not making sure my private information isn't shared according to 15 U.S. Code 1681, which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of the customers and protect the security and confidentiality of those customer 's nonpublic personal information. For these credit reporting agencies to open and operate in the 50 states theyre required to abide by the Federal law set forth to protect the consumers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX institution by the definition under that title 15 U.S. Code 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. Thus, the financial institution listed above along with Experian, XXXX, and XXXX do not have my consent to report/ disclose this information and most importantly no written consent. Any and all consent to Experian, XXXX, and XXXX, whether it verbal, non-verbal, or written, implied or otherwise is revoked. 15 U.S. Code 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. '' None of these companies listed above ever contacted me nor informed me of my rights to exercise my nondisclosure option.

Not only that 15 U.S. Code 1681 C ( a ) ( 5 ) states, Except as authorized under subsection ( b ), no consumer reporting agency make any consumer report containing any other than the following items of information ANY other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. These accounts listed is an adverse item they are continuously reporting again without my permission which violate the law 15 U.S. Code 1861s-2 ( A ) ( 1 ) A states, A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Ive reached out to the consumer reporting agency to address these inaccuracies before and they failed to abide by the Federal laws set forth. See attachment Pursuant to15 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. Experian, XXXX and XXXX are not maintaining reasonable procedures and they need to be held responsible for gross negligence for failure to protect the consumers. The companies listed below failed to validate these debts and failed to provide a copy of the contract with my wet signature. Furthermore, these Business Entity, Corporations listed on my consumer credit profile according to the Securities and Exchange Commission the wholly jurisdiction is in Delaware and the statute of limitations on collections a debt is three ( 3 ) years. The statute of limitations in the state of Texas which I reside in is four ( 4 ) years. These debts that they have purchased have passed the statute of limitations in both states, not only are they expired I do not have a contract with 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 Also , 12 CFR 1016.7 states that, A consumer may exercise the right to opt out at any time. I am hereby opting out of all the companies listed above in bold lettering reporting services. Im also opting out of the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

and They havent proved nor provided me with any contract with my wet signature. I am aware that Experian, XXXX and XXXX must block reporting of any information with inaccuracies immediately within four ( 4 ) days period due by law or further action may be taken. 

Experian reports : 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 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 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 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 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 I've also requested to have all old addressed removed because there unmailable and to have all old contact numbers removed and all spellings of my name removed except for the name and address that on my Driver 's License. They have yet to respond to my request.

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