Consumer complaint received 2024-03-15 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: CA

Complaint narrative:
XXXXComplaint Dear CFPB, After reviewing my credit report I felt an overwhelming feeling of being misused and abused from the violations and inaccuracies which has prohibited me from experiencing an equal quality of life, on my XXXX, Experian, and XXXX XXXX reports XXXX To start with I AM A VICTIM OF IDENTITY THEFT AND the inaccuracies are so present on my credit reporting my name is spelled wrong and maybe thats the people who are using my credit in identity theft, none of the credit bureaus are reporting the same info, some addresses are NON-Mailable addresses, incorrect names, and multiple variations, of my names. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The XXXX XXXX and the Consumer reporting agencies XXXX and Experian 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, ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also,12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.. '' THESE accounts are adverse items they are reporting again without my permission which is against the law. 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. And I know there is information that is being reported that is in accurate. 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. I also know that reporting transaction history is illegal per ( 2 ) exclusions ( a ) ( i ) containing information solely as transactions or experiences between the consumer and the person making the report. I just want my reports to reflect the right information that is supposed to be reported accurately. 



XXXX XXXX INACCURATE REPORTINGS THAT IS IN VIOLATION TO MY CONSUMER RIGHTS ; Per Privacy Act of 1974 and it shall be removed from my credit report Credit Reports Inaccurate Identification Mis-spelled Name proof of identity-theft Non-mailable address that Do Not belong to me Incorrect employment INQUIRES- Violation to my consumer rights per 15 U.S CODE 1681-PERMISSIBLE PURPOSES OF CONSUMER REPORTS EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COMPANIES THAT I HAVE NEVER DONE BUSINESS WITH THAT HAVE PARTICIPATED IN ILLEGAL ACTIVTY AND HAVE PERFORMED IDENTITY THRFT THAT ARE VIOLATING MY CONSUMER RIGHTS REPORTING CHARGE-OFFS THAT ARE ABSOLUTELY DEEMED CERTIFICATES OF INDEBTNESS AND IS ALSO CONSIDERED INCOME CAN NOT BE REPORTED ON MY CONSUMER CREDIT REPORTS ; AND SHOULD BE MOVED IMMEDIATELY. 
XXXX XXXX, & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPTED- OUT LEETERS ATTACHED COMPANIES I HAVE REQUESTED OPT-OUT THAT I AM BEING VIOLATED AGAINST MY CONSUMER RIGHTS; UNDER PRIVACY ACT OF 1974 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : THE SAYS IT IS ILLEGAL TO REPORT TRANSACTION HISTORY ; IT IS ILLEGAL PER ALSO PER 15 U.S CODE 1679C -DISCLOSURS SECTION CONSUMER FILE RIGHTS UNDER STATE AND FEDERAL LAW Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. I HAVE, NOTIFIED THE credit bureaus in writing my disputes of inaccurate information in my credit file..I have also filed with the FTC and a report as well. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I AM BEING VIOLATED PER THE FAMILY EDUCATIONAL AND PRIVACY ACT OF 1974 A PRIVACY ACT FORM WAS COMPLETED INITIATING THE STUDENT LOAN THAT SAID THE SCHOOL WILL NOT PROVIDE TRANSACTION HISTORY Dept of XXXX REQUESTING REMOVAL OF LISTED REPORTINGS FROM CONSUMER REPORTING AGENCIES & COMPENSATION EXPERIAN XXXX XXXX

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