Consumer complaint received 2024-02-21 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: TN

Complaint narrative:
To the CONSUMER FINANCIAL PROTECTION BUREAU This letter is regarding my inaccurate consumer credit reports furnished by XXXX, XXXX, AND EXPERIAN Subject : Incorrect information on your report XXXX reports different information than XXXX and EXPERIAN. XXXX is reporting a XXXX  XXXX credit card charge-off that has XXXX XXXX XXXX as the initial date of charge-off for {$11000.00}. XXXX reports that the initial charge-off was in XXXX XXXX XXXX along with Experian. Credit reporting agencies must ensure the accuracy of the information they furnish matches the exact information they receive from the furnisher. Yet I have never received notice from the furnisher not once stating their policy on reporting personal information to third parties. Nor have I received any written notice of my rights as a consumer from the credit reporting agencies providing key insights into my rights as a consumer and options to have my credit history communicated to outside organizations. I did not authorize or give consent to any of my personal non- public information to any agency. I am not aware of any agreement that I have signed stating that I give consent to release my private information to anyone that I did not consent to. This is in violation of The PRIVACY ACT OF 1974 ; it is illegal to provide private transaction history. I am not aware that I signed or gave the right to any agency or furnisher such as XXXX  XXXX the consent to supply my private information to a third-party corporation that I have not contractual agreement with. XXXX is reporting a XXXX  XXXX XXXX  charge-off for {$17000.00} that is illegal as well, a charge-off is considered income per the IRS, and reporting private income just like transaction history is illegal per 15 USC 1681 Permissible Purpose of consumer reports states 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. I did not consent, nor have I ever given written consent, or instructions to XXXX, XXXX, or Experian to report any such information that is currently reflecting my credit report! XXXX reports that the XXXX XXXX  auto charge-off was initiated on XXXX XXXX XXXX while XXXX and EXPERIAN report it was initiated in XXXX XXXX XXXX15 U.S. Code 1681i ( 5 ) i - Procedure in case of disputed accuracy ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate.15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. The TN DEPARTMENT OF HUMAN SERVICES has failed to provide a written notice to me regarding the disclosure of my personal information to these third parties credit bureaus as well. I did not give consent to have my personal and private information disclosed to the public and this has led to me being denied access to certain avenues of credit and opportunities that I depend on to care for my family, the results of this illegal furnishing of my report have cause XXXX  XXXX and stress on my daily life. The collection from TN DEPARTMENT OF HUMAN SERVICES is inaccurate as it shows up in collection for {$7500.00} when in fact I pay from my bi-weekly employment check. How can it be in collection status when I pay bi-weekly? They are intentionally trying to deprive me of my human rights and the ability to pursue life, liberty, and the pursuit of happiness. I further ask that the they remove this collection status due to the inaccuracy as well as failure to comply with 15USC 1681, 15 USC 6801, 6802 ( b ) ( 1 ) ( a ) ( b ) ( C ), THE FCRA, THE PRIVACY ACT OF 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to XXXX of XXXX statutory exceptions. Experian and XXXX reports that a XXXX  furnished information to them concerning debt that I owe them. I do not know of this company, nor have I ever signed or given any consent to them regarding my private non-public information. XXXX also reports that a collection from an unknown debt collector for {$640.00} has been furnished to them from an unknown source without my given consent or written notice. They have violated my rights under the Privacy act and the FCDPA. 15 USC 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 15 USC 1692e the representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful, and the debt collector or creditor intends to take such action. 15 USC 1692k Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding { {$1000.00} } ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of { {$500000.00} } or 1 per centum of the net worth of the debt collector. In regard to my private information that was furnished by Corporations such as XXXX  XXXX, TN DEPARTMENT OF HUMAN SERVICES, XXXX, and an unknown debt collector trying to collect in the amount of {$640.00}. without given proper notice and my consent to obtain such information or disclose it to third parties. I demand that the status of these accounts be placed in the status as paid as agreed and all inquiries deleted from my credit report immediately. Seeing how my rights were indeed violated blatantly without regard to the adverse effects and actions that hindered, excluded, and damaged my reputation, I demand the status of these accounts to paid as agreed for the actions taken up against me. The XXXX credit agencies all have misinformation, inaccurate, and non-public information that has harmed me and placed a strain on my personal life in regards to failure to insure a proper system of fairness and accuracy.

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