Consumer complaint received 2024-07-30 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: MO

Complaint narrative:
I, XXXX XXXX have never given Experian, XXXX or XXXX any verbal or written consent, permission to have nor share my financial information which consist of my transaction history ( It is against the law to share transaction history- that is ILLEGAL ), opening of my accounts, types of accounts, full name, address, phone #, XXXX,, etc. No Consent is Identity Theft. XXXX, XXXX and Experian and its cover persons, officers agents and attorneys also do not have any permissible purpose to furnish my personal information to any third party. any and all consent to XXXX XXXX and Experian whether it be verbal, non-verbal, written implied or otherwise is revoked immediately and indefinitely. Experian, XXXX and XXXX regarding their persistent noncompliance with federal regulations and their unethical tactics during the investigation of disputes. Despite numerous attempts to resolve these issues directly with Experian, their actions continue to reflect a blatant disregard for the Consumer Financial Protection Bureau 's ( CFPB ) guidelines and the Fair Credit Reporting Act ( FCRA ). Over the past several months, I have submitted multiple disputes to Experian, addressing inaccuracies and the reporting of illegal information that is not included in my report. However, Experian, XXXX and XXXX has locked me out my account recent I tried to use the annual site to only learn that XXXX and XXXX have blocked me out of my report after i disputed they was in violation of the FCRA 1681 and the Privacy Act of 1974 and they has consistently failed to adhere to the mandated investigation timelines. Each time I have reached out for an update on my report or disputes XXXX, XXXX and Experian, give me the consumer the same generic response., preventing me from receiving the timely and fair resolution to which I am entitled. Experian, XXXX and XXXX tactics to avoid detection and accountability are evident. Their delay tactics and failure to provide substantive updates suggest an intentional strategy to exhaust and deter consumers from pursuing their rightful claims. It is unacceptable that a major credit reporting agency, entrusted with safeguarding and accurately reporting consumer information, engages in such deceptive practices.. I urge the CFPB to take immediate action to investigate Experian 's non-compliance and enforce stringent penalties for their continued violations. Consumers rely on the CFPB to uphold fair and ethical practices within the financial sector, and Experian 's conduct is a stark violation of these principles. Please confirm receipt of this complaint and provide an outline of the steps the CFPB will take to address this matter. I am prepared to provide any additional information required to support this investigation and ensure that Experian is held accountable for their actions. Thank you for your prompt attention to this urgent issue .... PLEASE NOTE : In conclusion, the outcome desired is that this XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts should not be showing any transaction history ( including late payments and charge-offs ). Transactions are not allowed to be included in consumer reports ( per 15 USC 1681a ). Also, 15 USC 1666b makes it clear that payments on a consumer credit plan can not be marked as late for any purpose. Additionally, charge-offs are considered certificates of indebtedness ( which the IRS considers income per publication 4681 ), so charge-offs are also not allowed to be reporting. The only thing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX have MY THE CONSUMER permission to report is that these accounts was PAID IN FULL, ON TIME, AS AGREED. No adverse information should be reporting. Any information beyond this would be considered furnishing a deceptive form with the intent to mislead the public ( XXXX XXXX XXXX ).

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