Consumer complaint received 2024-02-28 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: MS

Complaint narrative:
15USC1681 states there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
( b ) Reasonable procedures : It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures 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 chapter. In notes to accuracy, currently XXXX is the only company properly reporting my personal information. All three bureaus MUST MATCH under 15USC1681A- accuracy and fairness of credit reporting ( 2 ) EXCLUSIONS : ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This clearly explains that reporting transaction history is illegal ; hence reporting late payments is a payment transaction= ILLEGAL! 

15USC1681b PERMISSIBLE PURPOSES OF CONSUMER REPORTS Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. None of the three agencies are able to produce my written consent for any collection, late payment, charge off account, etc because it was done ILLEGALLY which violates the Fair Credit Reporting Act. By violating section 1681b for permissible purposes and 1681c for information contained in consumer reports, these three bureaus are also violating compliance procedures under this title. 

XXXX5USC1681n ANY person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer IS LIABLE to that consumer in an amount equal to the sum of -- for damages $ XXXX {$1000.00} ; as a result of the failure {$1000.00}. 

PRIVACY ACT OF 1974 ( 5USC552a ) No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of the individual to whom the record pertains. 

The term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, this education, financial transactions, medical history, and criminal or employment history and that contains is name, or identifying number, symbol or other identifying particular assigned to the individual such as a finger or voice print or a photograph. 

I never received a privacy notice, letter to give my written consent to any of the information illegally reported to my credit and XXXX, EXPERIAN NOR XXXX can produce that it was. These three bureaus have illegally taken advantage of me as the consumer and I no longer am standing for non compliant companies as such. Any and all consent to furnish information without my written consent whether it verbal, non verbal, implied or otherwise is revoked. I am not settling with verification of accounts as I know my privacy and protected rights as a consumer. I am demanding immediate deletion of these illegally furnished accounts, collections/charge offs, hard and promotional inquiries as well as late payment transactions ASAP or I will be taking legal action against all three companies.

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