Consumer complaint received 2024-08-01 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: NJ

Complaint narrative:
I recently checked my credit report and saw that the following items on my credit report shouldnt be there. XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 
I read that according to consumer law 15 U.S. Code 6801 that a ) Privacy obligation policy 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. 
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. And also another consumer law numbered 15 U.S. Code 6802 a ) Notice requirements Except as otherwise provided in this subchapter, a financial institutionmay not, directly or through anyaffiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institutionclearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The following inquires are also appears on my credit report that I didnt authorize which are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, none of these accounts I initiated. The following Student loans are fraudulent as well and also duplicates of the same account DEPT OF ED/XXXX XXXXXXXX, DEPT OF XXXX XXXX, DEPT OF ED/XXXX XXXX , DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXX. And lastly XXXX account number XXXX I want the late payment history removed effected immediately. According to 15 U.S. Code 1681D2AI ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; giving me the right to exclude all late payments without my consent

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