Consumer complaint received 2024-03-01 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: OH

Complaint narrative:
After obtaining a copy of my credit reports, according to the Privacy Act of 1974, I herby notifiy the Consumer Finance Protection Burearu that XXXX, Experian, and XXXX are all in violation of my right to privacy for furnishing my nonpublic records. For I have not provided either agency any written consent for such records to be furnished on my behalf. These records/accounts are : EXPERIAN Ascent XXXX - EXPERIAN XXXX  XXXX - EXPERIAN, XXXX, XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX Bank XXXX EXPERIAN XXXX XXXX, XXXX XXXX XXXX XXXX XXXXEXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXEXPERIAN XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX - EXPERIAN, XXXX XXXX XXXX According to Fair Credit Reporting Act 602, 15 U.S.C. 1681 ( a ) ( 3 ) : " Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers ''.

1681 ( b ) : " It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the CONFIDENTIALITY, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title '' ( capitalized word emphasized ). 

This is a clear breach and violation of my right to privacy and confidentiality. Experian, XXXX, and XXXX have exposed confidential records without the written consent of the consumer ( I, XXXX XXXX ), which has greatly impacted my credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living. 

Furthermore, according to 603 - 15 U.S.C. 1681 ( a ) ( 2 ) ( i ) XXXX, XXXX, and Experian are in violation due to furnishing consumer reports that contain information solely as to transactions and experiences between the consumer and person making the report which are confirmed by the records/accounts mentioned above. For such actions undermines the integrity of the banking system as the opinions of consumer agencies will greatly impact consumer 's credit worthiness and overall character. For doing such, this stiffles the voice of the consumer which results in an inbalanced banking system which will be led by baised opinions of unauthorized records produced by the consumer reporting agencies. 

According to 15 U.S. Code 1681b which is backed by P.L 90-321 ( 82 Stat. 146 ) my consumer report can only be furnished without my written consent under the condition that it is requested by the head of State or for local child support purposes. 

Experian, XXXX, and XXXX are also in violation of 15 U.S. Code 1681c which states that 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 seven years. 
This further confirms the violations committed by XXXX, Experian, and XXXX for the records/items listed below are adverse items that does not reflect convictions of crimes. 
XXXX XXXX - EXPERIAN, XXXX, XXXX XXXX XXXX XXXX - EXPERIAN, XXXX XXXXredit One Bank XXXX EXPERIAN, XXXX, XXXX XXXX XXXX XXXX XXXXEXPERIAN XXXX XXXXAX Midland Credit Management -EXPERIAN, TRANSUNIUON, EQUIFAX Mission Lane Tab Bank XXXX EXPERIAN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX - EXPERIAN XXXX XXXX, XXXX According to 12 CFR 1022.3 this would be considered identity theft, meaning fraud was committed or attempted using the identifying information of another person without authority.

I would like to exercise my right to block such information resulting from identity theft according to 15 U.S. Code 1681c-2 I am furthermore claiming identity theft regarding the hard/soft inquiries that I did not authorize which have been highlighted items via the attachment. 

In addition, according to 26 CFR 1.6050P-1, it is considered income for the pursuit of a charged off account, which furthermore issues a decision to remove these items listed below : XXXX XXXX - EXPERIAN, XXXX, XXXX XXXX XXXX Bank XXXX EXPERIAN XXXX XXXX, XXXX XXXXssion Lane Tab Bank XXXX EXPERIAN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX, XXXX Due XXXX the fact that neither XXXX, Experian, or XXXX can provide proof that I provided written consent to furnish the highlighted items within the attachment, according to 15 U.S. Code 1681 of the Civil Liability for willful noncompliance, I am intitled to not more than {$1000.00}. Because the reporting of each item found on my consumer report was continual and took place month after month, the damage is concurrent in accordance to the law, whereas this would be deemed not more than {$1000.00} per violation. 

According to 15 U.S. Code 1681s-2 ( A ), XXXX, Experian, and XXXX are all in violation for there are several items that contain inaccuracte information, on top of not obtaining my written consent. 

For example, XXXX XXXX XXXX  has an account number ending in XXXX under XXXX while XXXX has an account beginning in XXXX, on top of that, they all display and have recorded different balances being reported for the same dates. This is just one example of many inaccurate items found on my consumer report. This is in direct breach and violation of 602 - 15 U.SC. 1681 ( a ), ( 1 ), ( 2 ), ( 3 ), ( 4 ) Congressional findings and statement of purpose These inaccurate credit reports found on my consumer report directly impairs the efficiency of the banking system. Due to the law stated above, I am intitled to my consumer 's right to privacy and ensuring that my consumer report is accurate for it is vital for the efficiency of the banking system. 

In addition to these inaccuracies, there are addresses, phone numbers, and differentiating names which I have absolutely no association with. The inaccuracy listed on my credit report once again impacts the efficiency of the banking system. Please see the highlighted addresses, names, and phone numbers found in the attachment. 

According to 602 - 15 U.S.C. 1671 ( b ) - Reasonable Procedures, XXXX, Experian, and XXXX must be held accountable for the violations they have committed regarding the laws set in place for consumer protection which they failed to do regarding this matter. They are required to have reasonable procedures in place to ensure their reasoonable procedures are fair and equitable to the consumer, with regard to the confidentiality, accuracy, revelancy, and proper utilization of such information in accordance with the requirements of this title. 

In accordance to 12 CFR 1016.1 - Purpose and Scope ( a ), ( 1 ), ( 2 ), ( 3 ), I was never provided the mandated opt-out form by these companies to uphold my right to privacy which is in violation of my privacy rights as a citizen of the United States I hereby exercise my right to opt out in accordance to12 CFR 1016.7

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