Consumer complaint received 2024-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
REMOVE ALL LISTED ANYWHERE ON CONSUMER INFORMATION XXXX - XXXX XXXXXXXX XXXX  o Account Number : XXXX XXXX o Reported Balance {$2100.00} o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX - XXXX XXXX XXXX XXXX o Account Number : XXXX XXXX o Reported Balance {$480.00} o XXXXt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ) XXXX - XXXX XXXX o Account XXXX XXXX XXXX XXXX o Reported Balance {$0.00} o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX ) XXXX - XXXX XXXX o Account Number : XXXX XXXX o Reported Balance {$170.00} o XXXX XXXX XXXX XXXX  XXXX XXXX, TN XXXX ( XXXX ) XXXX - XXXX XXXX CARD SERV o Account Number XXXX XXXX o Reported Balance {$0.00} o XXXX XXXX XXXX XXXX CREDIT BUREAU DISPUTE XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX o Account Number : XXXX XXXX o Reported Balance {$0.00} o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX XXXX 
o Account Number : xxxxxx XXXX o Reported Balance {$0.00} o XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX - XXXX XXXX XXXX o Account Number : XXXX XXXX o Reported Balance {$2100.00} o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX - XXXX XXXX XXXX o XXXX XXXX o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( o XXXX ) XXXX - XXXX XXXX XXXX o XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX - XXXX XXXX XXXX o Date Assigned XX/XX/XXXX o Amount {$310.00} o Contact : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Experian - Account Name XXXX o Account Number XXXX o Date Opened XX/XX/XXXX o {$170.00} o po box XXXX, XXXX XXXX TN XXXX - Account Name : XXXX XXXX XXXX Account Number XXXX o Date Opened XX/XX/XXXX o XXXX XXXX XXXX FL XXXX, XXXX XXXX CA XXXX Phone XXXX ( XXXX ) XXXX XXXX Account Name XXXX XXXX XXXX o Account Number XXXX o Date Opened XX/XX/XXXX o Balance {$310.00} o XXXX XXXX  XXXX XXXX, XXXX XXXX MO XXXX Phone Number ( XXXX ) XXXX - Account XXXX XXXX XXXX XXXX o Account Number XXXX o Date Opened XX/XX/XXXX o Balance {$4800.00} o XXXX XXXX XXXX, XXXX TX XXXX Phone Number ( XXXX ) XXXX - Account Name XXXX XXXX XXXX BANK o Account Number XXXX o Date Opened XX/XX/XXXX o Balance {$480.00} o XXXX XXXX XXXX, XXXX GA XXXX - Account Name XXXX XXXX XXXX XXXX o Account XXXX XXXX o Date Opened XX/XX/XXXX o Balance {$2100.00} o XXXX XXXX XXXX, XXXX WA XXXX Phone Number ( XXXX ) XXXX - Account Name XXXX XXXX o Account Number XXXX o Date Opened XX/XX/XXXX o Balance {$2100.00} o XXXX XXXX XXXXXXXX, XXXX SC XXXX Phone Number ( XXXX ) XXXX - Account Name XXXX XXXX XXXX Account Number XXXX o Date Opened XX/XX/XXXX o Balance {$0.00} o XXXX XXXX XXXX XXXX XXXX, XXXX MN XXXX Phone Number ( XXXX ) XXXX XXXX Account Name XXXX XXXX  XXXX XXXX  o Account Number XXXX o Date Opened XX/XX/XXXX o Balance {$0.00} XXXX po box XXXX, XXXX XXXX CA XXXX Phone Number ( XXXX ) XXXX - Account Name XXXX CARD XXXX Account XXXX XXXX o Balance o XXXX XXXX XXXX, XXXX MN XXXX Phone Number ( XXXX ) XXXX - XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX o XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX o Date Opened XX/XX/XXXX o Balance {$2100.00} - XXXX XXXX  XXXX XXXX o XXXX XXXX XXXX XXXX XXXX, TN XXXX o Date Opened XX/XX/XXXX o Balance {$170.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX, GA XXXX o Date Opened XX/XX/XXXX o Balance {$480.00} - XXXX XXXX XXXX XXXX o XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX o Date Opened XX/XX/XXXX o Balance {$310.00} - XXXX XXXX XXXX XXXX o XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX o Date XXXX XX/XX/XXXX XXXX Balance {$2100.00} - XXXX XXXX XXXX XXXX o XXXX XXXX XXXX XXXX XXXX, VA XXXX o Date Opened XX/XX/XXXX o Balance {$4800.00} - XXXX XXXX XXXX o XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX Opened XX/XX/XXXX o Balance {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Date Opened XX/XX/XXXX o Balance {$0.00} According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 Section 602 ( a ), consumer reporting agencies are required to act with fairness, impartiality, and respect for the privacy of individuals XXXX As a consumer, I have the right to feel secure, knowing my personal information is protected. This is further supported by 15 USC 6801, which obliges financial institutions to safeguard customer privacy and protect nonpublic personal information. The institution providing information to credit agencies in this instance is subject to these privacy standards. 
15 USC 1681 Section 604 ( a ) ( 2 ) specifies that a consumer report can only be furnished with the consumers written consent, which I did not provide to XXXX, Experian or XXXX. Any prior consent I may have given is hereby revoked, whether it was verbal, non-verbal, implied, or otherwise. Furthermore, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from sharing nonpublic personal information with unaffiliated third parties unless consumers are fully informed of their right to opt out of such disclosures. I was never informed of this right. 
The adverse account reported without my permission is causing a great deal of hardship and strain. Under 15 USC 1681s2 ( A ) ( 1 ) ( A ), no entity should submit information to a consumer reporting agency if it is known or suspected to be inaccurate. Additionally, 15 USC 1681e requires consumer reporting agencies to maintain reasonable procedures to prevent unauthorized disclosures. In this case, XXXX, Experian and XXXX has failed to protect my information, leading to consequences I never agreed to and profoundly affecting my life.

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