Consumer complaint received 2024-05-08 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:
I pulled a copy of my credit report and noticed incorrect information, and fraudulent information on my credit file as well. 

I am writing to dispute ( XXXX ) late payment listed on my credit report AND to have them updated to PAID AS AGREED/NEVER LATE because you have violated my consumer rights under 15 U.S. Code 1681b-2 Permissable Purpose. Please Update the Folllowing accounts to PAID AS AGREED/NEVER LATE : ACCOUNT : XXXX Account XXXX : XXXX : Please correct/update this inaccurate information on my credit report Your agency 's actions not only constitute a flagrant violation of my consumer rights but also breach federal laws, as outlined in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act. This statute explicitly states : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE LAW CLEARLY STATES : " In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT PROVIDE WRITTEN AUTHORIZATION or instructions to any bureaus to report this information. Therefore, your actions not only contravene the Fair Credit Reporting Act but also amount to aggravated IDENTITY THEFT and defamation of character on your part. 
My rights are ALSO being violated by the creditors reporting this information through 15 U.S. Code 1666b - Timing of payments : ( a ) Time to make payments THE LAW CLEARLY STATES : A creditor MAY NOT TREAT A PAYMENT on a credit card account under an open end consumer credit plan as LATE FOR ANY PURPOSE. 
This reported information is not only a violation of federal law, but just like your agency, they have damaged me in the form of defamation of my character and they have COMMITTED AGGRIVATED IDENTITY THEFT as well, because I didnt give them written permission to report these late payments, which is a violation of 15 USC 1666b.

They ALSO violated my consumer rights outlined in 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, THE LAW CLEARLY STATES : ( b ) Opt out ( XXXX ) In general A financial institution may not disclose non-public 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. 
A., DID NOT disclose to me the consumer that the information reported would be disclosed to the third party the consumer reporting agencies. 
XXXX, DID NOT give me an opportunity to direct such information not be disclosed. 
XXXX, DID NOT give me the consumer an explanation of how i could excercise the non discloure option. 
The law basically states if all XXXX of these discloures were not provided to me that this is a direct violation of the law and I HAVE THE RIGHT TO EXCERCISE OPTING-OUT. 
Therefore, this information should never have been supplied to your agency in the forst place. 
Since BOTH the creditor mentioned above AND YOUR AGENCY have conspired against me collectively, you have ALSO both violated my rights under 18 USC 241 which is noted below.

18 U.S. Code 241 - Conspiracy against rights, XXXX entities conspiring against a party. 
ADDITIONALLY, a clear violation of 15 USC 1681n - Willfull Non-Compliance is taking place. Your agency is willfully sharing public information of mine KNOWING THAT IS A CLEAR VIOLATION OF THE LAW. 
AS I AM A FEDERALY PROTECTED CONSUMER WITH A RIGHT TO PRIVACY, OUTLINED IN 15 USC 1681A4. 
I am demanding you to please CORRECT the above late payments from my consumer report AS PAID AS AGREED AND NEVER LATE! 
You have 14 days to respond upon receipt of this letter to CORRECT the referenced items AS PAID AS AGREED AND NEVER LATE and send me a new letter notifying me that the information has been CORRECTED TO PAID AS AGREED from YOUR AGENCY and also mail me a new copy of my report or I may be forced to seek legal action against your agency for these damages. 
I HAVE ALSO ATTACHED FTC COMPLAINT LETTER THAT CONTAINS FRAUDULENT INQUIRYS THAT NEED DELETION AND PERSONAL INFORMATION CORRECTED.

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