Consumer complaint received 2024-08-07 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: FL

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 

Account name : XXXX & XXXX account number XXXX, Account name : XXXX XXXX XXXX account number XXXX, Account name : XXXX  account number : XXXX, account name XXXX XXXX  account number : XXXX, account name : XXXX  account number : XXXX, Account name : XXXX  account number : XXXX, Account name : XXXX account number : XXXX, Account name : XXXX  account number : XXXX, Account name : XXXX account number : XXXX, Account name : XXXX account number XXXX, Account name : XXXX account number : XXXX, Account name XXXX XXXX account number XXXX, Account name : XXXX account number : XXXX, Account name : XXXX account number:XXXX Account name : XXXX  account number : XXXX, Account name : XXXX  account number : XXXX I looked on my credit report on Experian and I noticed something that are incorrect and not accurate information .and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ).

And according to 15 usc 1681 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverified information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of consumer. 15 usc 6802 : stated A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless. This bank and agencies violated this law by transferring and sharing my non public information without giving me 3 disclosures by not allowing me to opt out.

And 15 USC 1681 Section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions .also 15 USC 1666B ( a ) : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose .18 usc 1028A : Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.Also I sent multiple disputes letter certified mail with return receipt asking for hard evidence.all credit bureau has not provided me no proof but still verified these accounts accurate.

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