Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
To Whom It May Concern, This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. I lawfully obtained these reports through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Please provide proof that the information on the reported tradeline is 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none. 

XXXX XXXX XXXX XXXXXXXX Not all bureaus are reporting this account the way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. 

XXXX  XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be updated as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX - XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  - XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX " This is a violation of 15 U.S. CODE 1666B. Was never late, delete this 30-day late remark from the payment history. 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in written instructions of the consumer to whom it relates. '' Listed below are the Inquiries that are being challenged : DEPT OF ED - XXXX Unauthorized hard pull, where did you get this misleading information? This is unfair! The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX XXXX XXXX - XXXX Unauthorized hard pull, where did you get this misleading information? This is unfair! The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX XXXX - XXXX Unauthorized hard pull, where did you get this misleading information? This is unfair! The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

DEPT OF ED - XXXX Unauthorized hard pull, where did you get this misleading information? This is unfair! The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

XXXX XXXX XXXX - XXXX Unauthorized hard pull, where did you get this misleading information? This is unfair! The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE! 

DEPT OF ED - XXXX Unauthorized hard pull, where did you get this misleading information? This is unfair! The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I'm requesting that you verify permissible purpose was provided for this inquiry that you are reporting. Otherwise, DELETE!

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