Consumer complaint received 2024-02-01 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: CA

Complaint narrative:
I am in the process of applying for housing and it has been brought to my attention there are various inaccurate information reports on my credit report. I am now opting out of any and all authorizations I, XXXX XXXX may have given Experian, XXXX, and XXXX either, written, unwritten, and non-verbal per 15 USC 6802. Experian is breaking the laws that protect me as a consumer. 

Violation of 15 USC 1681b - Permissible Purpose of Consumer Reports : All inquiries on my consumer report were made without proper permissible purpose, as I have not provided written permission or instruction. The inquiry from XXXX XXXX needs to be DELETED and REMOVED IMMEDIATELY. 

Violation of the Privacy Act 1974 : The credit reporting agencies have mishandled my personal information regarding student loans without proper authorization. Reporting student loans is a violation of FERPA and comprises my privacy of educational records that are not supposed to be disclosed. The accounts : Dept of EducationXXXX XXXX Dept of EducationXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  need to ALL be updated to PAID AS AGREED and CLOSED IMMEDIATELY. 

Violation of 15 USC 1666b : Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. This did not happen. Remove ALL late payments for account : XXXX XXXX XXXX IMMEDIATELY. 

Violation of 15 USC 1681a ( d ) ( 2 ) ( a ) ( i ) : It is illegal to report transaction history on a credit report. Experian is reporting my credit card balance which is hurting my utilization against my consent and is an invasion of my privacy rights. Adjust the utilization to 0 % for account : XXXX XXXX XXXX IMMEDIATELY. Still keep this account on the report. I do NOT want this account taken off my report, just for the utilization to be brought to 0 %. 

All of these inaccuracies on my report have caused emotional distress and I have impacted my quality of life due to these credit reporting agencies being in violation of the law and taking advantage of my consumer rights. Everything I addressed above needs to be rectified as 15 USC 1681n states willful noncompliance with the FCRA results in significant civil liabilities. Willful violations can entail compensation of at least {$1000.00} per violation, in addition to any damages incurred due to noncompliances. Continued violations after the initial complaint clearly demonstrate awareness of wrongdoing and disregard of my consumer rights. MY REPORT NEEDS TO BE UPDATED TO THE CHANGES STATED ABOVE IMMEDIATELY.

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