Consumer complaint received 2024-01-19 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: IL

Complaint narrative:
In response to the the letter I received from Experian that states Pursuant to 611 ( a ) ( 3 ) ( A ) Experian says that they can not honor my request based on limited information. FCRA 611 ( a ) ( 3 ) ( A ) only states how I should provide official documentation in order to verify my identity. The issue is not me proving who I am but your unrefuted proof of a disclosure agreement between me, XXXX XXXX and Experian that has my wet signature on it that would be pursuant to FCRA section 604 ( 2 ) permissible purpose. Please stop giving me the run around and VERIFY that Experian is not committing consumer fraud. The FCRA prohibits ANY agency from furnishing a consumer report which may include credit information without written consent from the consumer in which it relates to. Pursuant to FCRA section 604 ( 2 ) Permissible Purpose ; FCRA 604 ( 2 ) states that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumer 's signature before any consumer nonpublic personal information can be disclosed. The term nonpublic personal information means personally identifiable financial information provided by a consumer to a financial institution ; resulting from any transaction with the consumer or any service performed for the consumer ; or otherwise obtained by the financial institution. Such term does not include publicly available information, as such term is defined by the regulations prescribed undersection 6804 of 15 USC 6809. Except as otherwise provided in 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of 15 USC 6803. The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. No such disclosure agreements exist. No where in the FCRA or in Section 611 ( a ) ( 3 ) ( A ) does it mention the that ANY agency can furnish a consumer report without permissible purpose. In closing Experian CAN NOT provide a DISCLOSURE between XXXX XXXX and Experian with my signature that would authorize permissible purpose in pursuant to Section 604 ( 2 ) of the FCRA because no so document exist, which in turn would be federal unlawful in compliance with the Fair Credit Reporting Act and EACH and EVERY consumer report that Experian furnished unlawful. This is consumer fraud. Due to the fact I was sent an email that suggested that Experian is well aware of FCRA regulations and adherent to all federal law, willingly and knowingly published and furnished unlawful consumer reports. 15 USC 1681 ( A ) ( B ) ( b ) explains how each of these FEDERAL VIOLATIONS should be handled according to and including each violation. In pursuant to section 15 USC 1681 ( i ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. Compensation is demand for each transaction. I, XXXX XXXX XXXX the natural person in good faith exercise my rights as a federally protected consumer. There never was a clear written disclosure nor authorization from me as the consumer and also as the natural person. Please provide the disclosure with my signature in agreement the would grant permissible purpose. For the damages that have been done to my mental distress and financial as I take my consumer report and my life very seriously I demand that you open all accounts in which adverse actions has taken place, remove and correct all derogatory marks from my consumer report ANY and ALL REPORTS FURNISHED UNLAWFULLY WITHOUT PERMISSIBLE PURPOSE. In pursuant to Section 15 USC 1681 ( A ) ( B ) ( b ) to be compensated accordingly for each inquiry, transaction and report made in regards to this matter and is a direct violation of federal law. Please correct all inaccuracies promptly and in a lawful manner. If my demands for proof of permissible purpose can not be meet please correct your errors, and if Experian continues to infringe on my federal consumer right, I will take this to the fullest extent of the law. Thank You, 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