Consumer complaint received 2024-05-01 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: AZ

Complaint narrative:
Experian, XXXX and XXXX has listed over 35 non mailable addresses onto my credit report without my written consent to furnish my nonpublic information per Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I sent them a letter and called over two months ago to have these inaccurate addresses off my report. The address is listed below. Experian willfully neglected to remove inaccurate information from my report has caused mental distress and has hindered me from utilizing my credit and obtaining the things in which I need for me and my children. Please remove ALL NON MAILABLE ADDRESS OFF MY REPORT IMMEDIATELY AND ALL HARD INQUIRIES LISTED BELOW and send me an updated report showing the addresses and inquiries removed to the ONLY address that should be listed which is XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Furthermore, Displaying the balance and payments on a consumer report constitutes reporting transactions, which falls under the purview of the Fair Credit Reporting Act ( FCRA ). As such, it must adhere to the guidelines outlined in relevant statutes and regulations. 16 CFR 660.4 states that when reporting an account to a consumer reporting agency, it must be reported accurately and reflect the consumer 's payment behavior. Specifically, it should be reported as " Paid as agreed '' when payments are made on time. Failure to report transactions accurately not only misrepresents my financial behavior but also violates my rights under the Privacy Act of 1974, which safeguards the confidentiality and accuracy of personal information held by federal agencies. By failing to report the status of my accounts as " Paid as agreed, '' the creditor is providing inaccurate information, which can have detrimental effects on my creditworthiness and financial standing. Therefore, I request that you provide proof of notice per 623 ( a ) ( 2 ) of the FCRA ( 15 U.S.C. 1681s-2 ), showing that you sent notice BEFORE reporting. Secondly I request that you update all accounts, as Paid As Agreed per 16 CFR 660.4 immediately, as not doing so, and reporting inaccurate information is a direct violation of my Privacy, rights, outlined in the Privacy Act of 1974. The following accounts listed below need to updated accordingly. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Lastly, Once an account is sold it is then considered a certificate of indebtness, which is then considered income. Income can not be reported so please remove the following accounts off of my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX original creditor : XXXXXXXX XXXX XXXX XXXX XXXX/ORIGINAL CREDITOR : XXXXXXXX XXXX. United States XXXXXXXX XXXX XXXX : Bankruptcies are not reported to Credit Reporting Agencies by the courts. Therefore the bankruptcy is being reported without my or the courts written consent. Finally, my personal information has been at risk this entire time. My report has been shared WITHOUT my consent and it has caused a tremendous affect on me and my familys life. Because of the inaccurate information being reported, I have been denied -use of my credit, unable to obtain housing, cars etc. I have been homeless and car-less because EXPERIAN, XXXX and XXXX has ASSUMED the role of reporting my financial information instead of getting my written consent which is require by law. I am demanding an immediate and permanent removal of ALL of the above mentioned accounts according to the laws mentioned and a report mailed to me showing the accounts have been removed. Furthermore, per the Privacy Act of 1974, considering the identity theft, the fraud, the inaccurate information, and willful neglect to correct the following above, I seeking compensation for the hardship I and my children have had to endure. per the law XXXXXXXX XXXX XXXX per violation. In good faith I am hopeful that attention to this matter will be met, swiftly, with action to rectifying this serious matter. My life in its entirety has been affected tremendously. My livelihood and the livelihood of my children has been affected by this horrendous, neglect, the inaccuracies, the fraud, sharing my information, without my consent and it having a direct impact on me and my offspring is XXXX poor behavior and a complete violation of the Privacy Act of 1974 and my trust and the trust of the we the people. Regards, XXXX : XXXX BENEFICIARY

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