Consumer complaint received 2024-03-14 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: NY

Complaint narrative:
XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX - XX/XX/2022 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX - XX/XX/2022 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about XXXX  XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Incorrect Address - XXXX XXXX XXXX, XXXX NY, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about EMPLOYER - XXXX XXXX XXXX XXXX 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Incorrect Address - XXXX XXXX XXXX, XXXX, NJ, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXX XXXXXXXX XXXX  XXXX, NY, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about EMPLOYER - XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Trans Union, Experian , and XXXX have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 data is inaccurate.

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