Consumer complaint received 2025-03-22 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: NY

Complaint narrative:
XX/XX/XXXX Experian Dear Disclosure Officer ( s ), I would like to request that XXXX take into consideration specific laws listed within the body of this document and cease from reporting certain accounts to my personal private consumer report.

According to FCRA 15 USC 1681 section 602a 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) 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. 
( b ) Reasonable procedures. 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. 
XXXX, XXXX and Experian are consumer reporting agencies and I myself am the consumer. I have a right to make sure my private information is not shared which is backed by 15 USC 6801 ; 15 U.S. Code 6801 - Protection of nonpublic personal information ( 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.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
( XXXX ) To a person which it has reason to believe XXXX have not obtained, does not possess, nor have notified me via a valid mean of communication and timely request for my consent. No consent granted.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, 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 institution clearly 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.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Current incorrect and/or false reporting accounts on my consumer report due to none, defective and/or incomplete investigations that lack merit, proof, and/or investigative methods applied to derive at conclusion.

15 U.S. Code 1681s2 ( a ) ( 1 ) - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Electronic Communication Privacy Act of 1986 ( ECPA ) 18 USC 2510-2523 Title II of the ECPA, which is called the Stored Communications Act ( SCA ), protects the privacy of the contents of files stored by service providers and of records held about the subscriber by service providers, such as subscriber name, billing records, or IP addresses. 18 U.S.C. 2701-12 Fair Credit Reporting Act The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies 15 U.S. Code 1681 ( b ) - Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter 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 subchapter.

15 USC 1681 ( e ) states every consumer reporting agency shall maintain reasonable to avoid violating section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures at all. Also 12 CFR 1016.7states a consumer may exercise the right to opt out at any time. I am opting out of XXXX, XXXX and Experian reporting services for the flowing accounts listed below ; EXPERIAN XXXX Billing error 12 CFR 1026.13, and has issued no proof of timely billing statement. Opt out. 
XXXX  Dormant/Parked account, paid in full more than 5 years ago. Opt out. 
XXXX XXXX XXXX Re-aged written off debt. Dormant/Parked account. Opt out. 
XXXX ( both accounts ) Delayed and timely billing error. Opt out. 
XXXX XXXX XXXX XXXX  XXXX parked account. Opt out. 
XXXX Account claimed 6 years ago profit/loss. Dormant/Parked Account. Opt out. 
XXXX XXXX XXXXXXXX in Full, Dormant. Opt out. 
CHILD SUPPORT ENFORMENT Counterclaim in pending case, amount not verified, nor was I notified or opt out. 
XXXX XXXX XXXX XXXX XXXX Full Disclosure was not given. Opt out.

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