Consumer complaint received 2024-04-25 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: NC

Complaint narrative:
Per 15 U.S. Code 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure 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 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.

This certainly has not been applied to me as a federally protected consumer in regards to my consumer credit report.

Mi identity has been severally compromised under the Fair Credit Reporting Act, Per 15 U.S. Code 1681 ( b ) I have been violated because there are multiple fraud accounts reporting on my consumer reports that are not mine, fraud names listed, non-mailable addresses reporting, non permissible unauthorized inquires furnished, along with my nonpublic personal information being exposed without my authorization.

As a result of " consumer reporting agencies and " Furnishers '' of consumer reports I am a Victim of " Identity Theft '' ( see attached " STATEMENT '' ) I am also a victim of the " Privacy Act of 1974. '' Per, ( 5 U.S. Code 552a ( b ) ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Furthermore, the exclusions under ( 5 U.S. Code 552a ( b ) ( 1-12 ) ) DO NOT apply to me XXXX XXXX , as a federally protected consumer.

I have not given ANY of the companies listed and identified in my " Attachments '' unwritten, written, nonverbal or verbal consent to share ANY of my nonpublic personal information to anyone, including third-party affiliates, and/or consumer reporting agencies, and/or financial institutions.

Per, 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.

( 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.

The companies involved in my complaint and listed and identified in my attachments, have severally compromised my privacy by not only violating the " Fair Credit Reporting '', and the " Privacy Act of 1974 '', as stated above, but by violating the " Graham-Leach Bliley Act '' ( 15 U.S. Code 6802 ) - Obligations with respect to disclosures of personal information.

Lastly, as a federally protected consumer under 16 CFR 313.7 ( f ) Continuing right to Opt Out, I am exercising my right to " Opt Out '' and I have the right to do so at any time. Refer to attached notice/direction.

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