Consumer complaint received 2024-10-08 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:
Per the FCRA as a federally protected consumer, I am now opting out of all authorization, I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. Per the Privacy Act of 1974 ( XXXX ) ( Experian ) ( XXXX ) ( Dept of ED/XXXX  ) has my private information and gives it out without my permission. They also report late payments, which is illegal. It is illegal to report transaction history. It is also a violation of the Privacy Act of 1974. In accordance with the Fair Credit Reporting Act ( XXXX, XXXX, Experian, and Dept of ED/XXXX  ) ) has violated my rights. 15 USC 1681 Section602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency ( XXXX, Experian, XXXX, Dept of ED/XXXX  ) can not furnish an account without my written instruction or permission. 15 USC 1666B, Timing of payments. Also, as a consumer per 15 US code 1681n : Civil liability for willful noncompliance, In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer because of the failure or {$1000.00} whichever is .greater. These accounts are also considered fraud, per 5 USC 554a. These Fraud accounts are listed below as well as listed on my FTC Report that I have provided, and attached with this cover letter. There should be no late payments reporting to any of my accounts, Transaction history is illegal to post to a credit report. 15 USC Code 1681b Permissible purpose of consumer reports. Per 15 U.S.Code 1681c- Requirements relating to information contained in company reports. No adverse item besides the conviction or crimes should be on your report. Any item that is a derogatory mark is not allowed into consumer reports ; this is another violation. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post- secondary school. 20 USC 1232g ( b ). 15 U.S. Code 1681 ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; is against the law. 15 U.S. Code 1681s-2 ( 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, Experian, XXXX, and Dept of EDXXXX 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.

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