Consumer complaint received 2024-02-16 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Despite numerous attempts to address this issue, late open accounts persist, and I have encountered difficulties in removing late closed and charged-off accounts. These inaccuracies are causing substantial harm to my creditworthiness and overall financial standing. XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. '' I have attached copies of my credit reports highlighting the specific late open accounts, late closed accounts, and charged-off accounts, along with supporting documentation that demonstrates the inaccuracies. Despite my persistent efforts, the inaccuracies continue to adversely affect my credit report, causing unwarranted financial stress. I am well aware of the importance of accurate reporting for both consumers and creditors and I am disappointed that my concerns have not been appropriately addressed. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' I need my ANY ADDRESS that is a NON-MAILABLE ADDRESS removed. CARE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX is the only mailable address I can receive correspondence to. The Only Name Listed is my living name XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  Balance : { {$2000.00} } Late 90 days- needs to be corrected XXXX. XXXX XXXX XXXX Balance { XXXX } - Charge Off reporting Transactional History Violation. XXXX. XXXX XXXX XXXX XXXX  Balance { {$14000.00} } - 15 USC 1681b Violations per the FCRA ( needs to be corrected immediately ) XXXX XXXX XXXX XXXX XXXX {$1000.00} } - Revolving account which needs to be corrected to paid as agreed, illegally reporting transactional history. These accounts need to be updated to paid as agreed per 15 U.S. Code 1681b ( 2 ) A ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and the Consumer reporting agencies XXXX and Experian, & XXXX  do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX XXXX XXXX Balance { {$20000.00} } XXXX XXXX  XXXX Balance { {$340.00} } are charged offs that are considered Certificate of Indebtedness which means it is considered income and need to be removed immediately. XXXX XXXX XXXX has removed these accounts however Experian needs to comply. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures. 

According to the Privacy Act of 1974 ( 5 U.S. Code 552a ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.NO AGENCY shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974. My Consumer Report needs to be corrected & updated immediately

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