Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.In accordance with the Fair Credit Reporting act. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information ; other than, records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the following accounts : - US BKPT CT MD XXXX Ref # XXXX And, according to the United States Department Of Justice , federal, state, and municipal law enforcement agencies may obtain basic identifying information ( name, address, former address, employment ) on any consumer through a CRA. See 1681f. If they want more detailed information, provided in a consumer report ; however, they generally must seek a court order or subpoena. See 1681b ( a ) ( 1 ).

According to local, state, and federal law, only data and information, from XXXX XXXX XXXX, may be lawfully and legally reported to Credit Reporting Agencies ( CRA ) ; as, there is -- -- -- -- - NO LEGAL DATA FURNISHER REPORTING THIS IDENTITY THEFT BANKRUPTCY.

And, according to local, state, and federal law, only APPROVED AND CERTIFIED DATA FURNISHERS MAY SUBMIT DATA TO CREDIT REPORTING AGENCIES ( CRA ) ; AND, HAVE ACCOUNT INFORMATION REPORT PER CONSUMER CREDIT FILES ; AS, BANKRUPTCY COURTS, XXXX XXXX, AND OR XXXX, ARE NOT LEGAL DATA FURNISHERS. AND, Recorder of Deeds ; the Clerk of Courts ; or the Magistrate ARE NOT LEGAL NOR VALID DATA FURNISHERS.

And, LAWFUL AND LEGAL DATA FURNISHERS WHO REPORT TO CREDIT REPORTING AGENCIES ( CRA ) MUST SUSTAIN THE FOLLOWING REQUIREMENTS TO REMAIN IN COMPLIANCE TO LAW : - Data Furnisher Name - Have A Subsciber Code - Complete E-Oscar Certification - Complete Methods And Steps For Disputes To Credit Reportimg Agencies ( CPA ) Lastly, The Fair Credit Reporting Act ( FCRA ) defines a furnisher as a company that furnishes information about consumers to credit bureaus ( formally known as consumer reporting agencies or CRAs ) like XXXX, Experian, XXXX, and XXXX. 

Data Sources ; such as, XXXX XXXX XXXX XXXX, etc. ARE NOT LEGAL DATA FURNISHERS under the FCRA, particularly when providing access to data in response to a singular directed request from a consumer. This reasoning, is supported by a plain reading of the FTC 's furnisher rule, [ 2 ] case law dicta, a commonsense approach to the regulations governing credit reporting, as well as the CFPB and U.S. Treasury Department commentary related to innovation and consumer access to financial information.

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