Consumer complaint received 2024-03-22 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: NY

Complaint narrative:
XXXX XXXX, XXXX and Experian are reporting fraudulent and inaccurate information from 3rd party debt collectors, No consent was given to report to 3rd party. They are in Violation of the Privacy act of 1974, The Consumer information is being shared other 3rd parties without my knowledge or consent. XXXX should not be on the personal credit file. Evidence have been submitted that the company was sent an opt out notice from reporting 17 CFR subsection 248.124, subsection 248.125, 248.126, and furthermore This is a charge off which is now consider INCOME according to the IRS publication and now need to be removed. wasn't given. All of the 3 Credit agencies are being furnished with false and inaccurate information and a violating the consumer privacy. 15 US code 1681b states Any consumer reporting agency that furnished a consumer report under the following circumstances and or other. In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. 15 U.S. Code 6801 - Protection of nonpublic personal information to insure the security and confidentiality of customer records and information. to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. This is security fraud. Unfair practice and deceptive acts, False information reported.

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