Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The amount of inaccuracies reported on my credit report between XXXX, Experian, and XXXX is absurd. It consists of incorrect spelling of my name. It includes non-mailable addresses which they have stated they would remove but still have not. Inaccurate dates, amounts, account numbers, etc. According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. ''16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects privacy policies and practices. CAN NOT disclose nonpublic information to non-affiliates described in initial notice which must be clear and conspicuous. 17CFR 248.124 Reasonable opportunity to opt out I never received privacy and opt out notice. The credit Bureaus must provide proof that I received privacy and opt out notices. I require the documentation used to determine authorization which includes agreement, opt out notice given to me, privacy notice given to me, and all other documentation given to me and the names and ID numbers of all parties involved.

These inaccurate reporting has made life extremely stressful for myself and my XXXX children. It has affected me from getting a home loan, fair car loans, car insurance coverage, credit cards, etc. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against XXXX, Experian, and XXXX for their blatant disregard for federal laws and regulations.I am now invoking my rights under 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { { {$1000.00} } }, whichever is greater. 
Removal of all derogatory items. 
12 CFR 1016 and 15 USC 6802-6805. A consumer may exercise the right to opt out at any time. I am opting out of negative reporting only per FCRA, any consent I have given whether implied spoken, unspoken, written, unwritten or otherwise is revoked and rescinded immediately and indefinitely in regards to reporting negative items only ( 15 USC 6802-6805 and 12 CFR 1016 ) .Also update all comments to paid FCRA 15 USC 1681a ( 2 ) ( A ) ( i ) Consumer report doesnt include transactions or experiences between consumer and person making report. 15 USC 1666b Can not be reported late under an open end consumer credit plan for any purpose. Truth in lending defines open end consumer credit plan as payable in more than 4 installments. 

Removal of allinquires on XXXX, Experian, and XXXX reports also prevent future inquires-per privacy and confidentiality- from harming me. 
allinquiresmust be removed because I did not give authorization and there is no open account associated with these inquires they need to provide documentary evidence as proof of this open accounts, there is no permissible purpose FCRA 15 USC 1681b ( a ) ( 2 ), FCRA 15 USC 1681a ( 2 ) ( A ) ( i ) It is illegal to report transaction history. Also according to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX, Experian, and XXXX 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 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. 

Correct my credit utilization, bring it to 0 %, and update every account to paid as agreed. FCRA 15 USC 1681a ( 2 ) ( A ) ( i ) It is illegal to report transaction history. XXXX will prevent future high credit utilization-per privacy and confidentiality- from harming me per written instructions. 
XXXX, Experian, and XXXX Shall remove all late payments past, present and futurefrom my credit report.15 USC 1681a ( 2 ) ( A ) ( i ) It is illegal to report transaction history. XXXX ) All inaccuracy gives reason to delete late payments past present and future. XXXX ) No permissible purpose FCRA 15 USC 1681b ( a ) ( 2 ). 4 ) Privacy Act 1974 Violation. XXXX ) 15 USC 1666b Can not be reported late under an open end consumer credit plan for any purpose. Truth in lending defines open end consumer credit plan as payable in more than 4 installments. consumer credit reporting companies can not report income on the credit report. 
Remove all charge offs past, present, and future from my credit report. Removed IMMEDIATELY. I never signed a contract with any third party debt collecting agency who purchased a debt from an original creditor that has been closed and charged off which in turn made it a Certificate of indebtedness. Certificates of indebtedness are considered income. 15 U.S.C. 1692j - Furnishing certain deceptive forms ( a ) states that : It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person OTHER THAN THE CREDITOR of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. Also, 18 U.S.C. 894 - Collection of extensions of credit by extortionate means states : ( a ) whoever knowingly participates in ANY WAY, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the non-repayment thereof, shall be fined under this title or imprisoned not more than 20 years or both XXXX  .I do NOT OWE ANY DEBT to these corporations.

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 non-monetary relief