Consumer complaint received 2024-04-17 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:
The inaccuracies on my credit report are in fact a violation of the standards in 15 U.S. Code 1681e ( b ) this is set in order to avoid violations. Along with violation o 15 U.S. Code 1681b which clearly states that in order to inform of these on my credit report each company needed my written instructions to do so, which they did not receive. To report under false pretenses is in violation of 15 U.S Code 1681q. Which enforces the severity of such inaccuracies. Due to the U.S Code violations and the numerous amounts of reporting inaccuracies, according to 15U. S. Code 1681n ( a ) ( 1 ) ( A ), I am entitled to payment. Since the reports contain a multitude of inaccuracies, I am going to highlight those that are up for dispute. The following companies that are to be mentioned have been sent a letter pertaining to my option to opt out of reporting per 15 U.S Code 6801. 


Name : XXXX XXXX XXXX ( Drivers License ) Address : See Drivers License Employer : XXXX XXXX XXXX XXXX : Date Opened, Date Closed, Balance, Transaction History XXXX  : Date Opened, Date closed, Transaction history XXXX : Date Opened, Closed Date, XXXX  : Date opened, Date Closed, Transaction History XXXX  XXXX : Date Opened, Closed Date, XXXX XXXX XXXX : XXXX Credit Report XXXX XXXX XXXX : Full Credit report XXXX XXXX : Date opened, Date closed, Last payment, Transaction history XXXX XXXX : Date opened, Date closed, Transaction history 15 U.S. Code 1681e ( b ) Accuracy of report- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S Code 1681q -Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 

15 U.S Code 1681n ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or 15 U.S Code 6801- ( 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. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

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