Consumer complaint received 2024-06-03 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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of 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. '' Experian, XXXX, and, XXXX, is a financial institution by definition under that title. 15 USC 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. The financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, and XXXX ( Furnisher of information to credit agencies ) 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 nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, Experian, and 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 subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission XXXX date opened XX/XX/XXXX, with a balance of {$5800.00}. XXXX XXXX XXXX date opened, XX/XX/XXXX with a balance {$6400.00}. This is account is also a charge off. The charge off is considered a certificate of indebtness, and that is considered income.Income can not be reported to my credit report. Please delete immediately. 
This is against the law. 15 U.S. Code 1681s2 ( 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 section 1681b of this title. XXXX, XXXX, and Experian 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 your reporting Also as a consumer per 15 US code 1681n : Civil liability for willful noncompliance, In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. I have XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX who have violated my rights that XXXX, XXXX, and Experian, has reported on my credit report as collections. They have reported inquiries, Also as a consumer per XXXX, Experian, and XXXX has reported on my credit report as inquiries. hard inquiry by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. {$1000.00} per violation. The Fraud accounts are listed below as well as listed on my FTC Report that I have provided with this cover letter, along with my drivers license showing my current address and the only address that should be listed on my credit report. Please remove all addresses from my credit report Except for the address I have provided here ( XXXX XXXX XXXX, XXXX, Tx XXXX other addresses that are reporting are not mailable addresses please delete asap. There should be no late payments reporting to any of my accounts, on XXXX XXXX XXXX per 15 U.S. Code 16 81c Requirments relating to information contained in consumer reports. Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information other than records of convictions of crimes. any item that is a derogatory mark is not allowed into consumer reports this is another violation. Please update all late payments on XXXX XXXX XXXX to paid as agreed. I am owner in due course all negative reporting and collection accounts listed below should be blocked and removed immediately upon receipt. They are all listed above with date. 
There should be no late payments reporting to any of my accounts, and all negative reporting and collection accounts listed below should be blocked and removed immediately upon receipt. The only address that is a mailable address that should be listed on my credit report is XXXX XXXX XXXX, Tx XXXX

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