Consumer complaint received 2024-01-21 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: AK

Complaint narrative:
XXXX XXXX This not a verification of the loan. 

Experian has continue to discriminate against my rights as a consumer, and will not delete this information from my account. This was a joint with my husband. Experian has deleted this information from my husbands account in XXXX. Experian to delete this account from my credit report. Experian is not fair when it comes to reporting joint information. This account is old and negative fr more than seven years. Please see attachment from my husband account. 

I have received a copy of my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. 
( 2 ) Exclusions-Except as provided in paragraph ( 3 ) the term consumer report does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means.

Consumer report ( 1 ) In general- The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for- ( A ) credit or insurance to be used primarily for personal, family, or household purposes : ( B ) employment purposes : or ( C ) any other purpose authorized under section 1681b of this title.

FICO or none of its factors are not defined or included in the definition of the consumer report! Therefore, the reporting of transactions between the consumer Myself ( XXXX XXXX ) and XXXX XXXX is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or Vantage which makes their factors or algorithm not a factor where the consumer report is concerned. 

You have furnished transaction information on the following accounts. 

XXXX XXXX Account # XXXX 15 USC 6801 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.

15 USC 6802 A financial institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803. Obligations with respect to disclosures of personal information.

A. Before a financial institution report my information, they must ask for my permission.

B. Before you report the information you must tell me, and I will give you a yes or no.

C. If I say no they must now tell me what I need to do to ensure my information is not given.

The information that I give to my financial institution is my personal information. It is confidential. They can not give access to my information without my permission. I did not give XXXX XXXX my permission to give out my personal information. XXXX XXXX has broken the law. XXXX XXXX has broken my trust and confidentiality. This goes against my rights as consumer under the Fair AcXXXX. XXXX XXXX never disclosed to me in writing or in electronic form or other forms permitted by the regulations prescribed under Section 6804 of this title, that my information will be disclose to a third party. 

XXXX XXXX has charged fraudulent late fees and in addition inserted late payments on my consumer report, all payments were made on time, all payments were exact, and all payments were made on their respective due date. 

CFPB Takes Action Against XXXX XXXX XXXXXXXX for Illegally Charging Junk Fees, Withholding Credit Card Rewards, and Opening Fake Accounts. 

XXXX  XXXX XXXX will pay more than {$100.00} XXXX to harmed consumers, and {$150.00} XXXX in penalties to CFPB and Office of the Comptroller of the Currency XX/XX/XXXX. 

XXXX  XXXX XXXX harmed hundreds of thousands of consumers over a period of several years and across multiple product lines and services. Specifically, XXXX XXXX XXXX : XXXX a double-dipping scheme to harvest junk fees : XXXX XXXX XXXX had a policy of charging customers {$35.00} after the bank declined a transaction because the customer did not have enough funds in their account. The CFPBs investigation found that XXXX XXXX  XXXX double-dipped by allowing fees to be repeatedly charged for the same transaction. Over a period of multiple years, XXXX XXXX  XXXX generated substantial additional revenue by illegally charging multiple {$35.00} fees. 

My account with XXXX XXXX was never late! This was clearly a billing error, and a double dipping scheme. This account is shameful it has caused severe hardship to my reputation, my character, my mode of living and to my family! I need the following late payments Deleted : XXXX XXXX Account # XXXX 15 SC 1666b ( a ) Time to make payments A creditor may not treat a payment on a loan account under an open consumer credit plan as late for any purpose. 

Delete the following late payments from my consumer reports : XXXX XXXX # XXXX Yours truly, XXXX 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