Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received my consumer reports from all 3 of the major Credit reporting agencies and found numerous violations on my report, they are as follows : Pursuant to the Fair Credit Reporting Act, specifically 15 USC 1681, section 602a, it is imperative to ensure that consumer reporting agencies uphold their responsibilities with fairness, impartiality, and due regard for the consumer 's right to privacy. 

XXXX, XXXX, and Experian, recognized as consumer reporting agencies, are entities with which I, as the consumer, maintain a relationship. It is essential to assert my right to safeguard private information, a right substantiated by 15 USC 6801, whereby Congress mandates financial institutions to affirmatively and continually respect the privacy of their clientele.

In the context of the Furnishers of information to credit agencies, identified as financial institutions under relevant regulations, as per 15 USC 1681, section 604a ( 2 ), the disclosure of consumer reports is contingent upon the receipt of written instructions from the concerned consumer. It is pertinent to underscore that neither verbal nor written consent, in any form, has been provided, and unequivocally, all consent is hereby revoked. 

Under the stipulations of 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information unless consumers are apprised of the mechanisms enabling the exercise of the nondisclosure option. Regrettably, the Furnisher of information to credit agencies failed to inform me of my right to exercise this option. 

Furthermore, the violation of 15 USC 1681C ( a ) ( 5 ), which prohibits consumer reporting agencies from including adverse information without authorization, is evident. The reported adverse item lacks the requisite permission, thereby contravening the statutory framework ( ie none of the accuracies on my report are indicative of ANY crime, and are adversely affecting my ability to obtain credit and MUST be removed promptly ). 

Drawing attention to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is explicitly stated that no entity shall furnish information to a consumer reporting agency if it is known or reasonably believed to be inaccurate. XXXX and Experian, in this regard, may be in contravention of the aforementioned statute. 

In light of 15 U.S. Code 1681e, it is mandated that consumer reporting agencies maintain reasonable procedures to prevent violations and restrict the furnishing of consumer reports to specific purposes outlined in section 1681b. Notably, XXXX and Experian appear to be deficient in maintaining such reasonable procedures. 

Finally, as per 12 CFR 1016.7, the right to opt out of reporting services is expressly granted to consumers. In accordance with this provision, I hereby exercise my right to opt out of the reporting services provided by the aforementioned agencies.

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