Consumer complaint received 2024-03-18 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: GA

Complaint narrative:
XXXX XXXX XXXX has been reporting inaccurate information to my consumer report and has been notified of this matter and is now willfully noncompliant with FCRA & FDCP. I have never contracted with XXXX XXXX XXXX however XXXX XXXX XXXX has been attempting to collect a debt from me that I do not owe them and has attempted to sabotage my consumer report in a effort to force me to pay them the alleged debt. I previously submitted a CfPB complaint regarding this matter in which afterwards XXXX XXXX XXXX sent me a very thick packet in the mail trying to collect the alleged debt I spoke with a representative on the phone from the compliance department from XXXX XXXX XXXX which I did record for training and assurance purposes only and I notified them on the phone I was doing so. After having a conversation with XXXX XXXX XXXX agent They agreed on behalf of XXXX XXXX XXXX to not collect any debt from me anymore however would not agree to stop furnishing inaccurate information to my consumer report as they tried to tell me it was accurate. This is false due to the fact XXXX XXXX XXXX is trying to collect a debt on behalf of XXXX XXXX however the original agreement is between myself and XXXX XXXX not XXXX XXXX XXXX and XXXX XXXX XXXX is simply acting as a third party debt collector who I have no contract or obligations with, if XXXX XXXX was reporting the account and trying to collect the debt then the account being reported might be accurate however this is not the case XXXX XXXX XXXX was hired by XXXX XXXX to not only harass me for the alleged debt but also sabotage my consumer report in a effort to force me under duress and coercion to pay them the alleged debt. XXXX XXXX XXXX put me under threat of duress and coercion when they attempted to sabotage my consumer report by reporting inaccurate information such as me owing them XXXX $ doing this May alert other potential corporations from doing business with me making me seem as if I am untrustworthy and not financially stable and this inaccurate account has affected my ability to obtain my right to credit as I have been denied for credit due to the negative account being reported on my consumer report by XXXX XXXX XXXX. I also have reason to Beleive this account is associated with identity theft as XXXX XXXX shared my personal information with XXXX XXXX XXXX which I did not give them permission to domy personal information that they shared included all my previous and current employers MY SOCIAL SECURITY NUMBER all my previous addresses all my previous phone numbers 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I notified XXXX XXXX XXXX that I the consumer know this account to be inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. EXPERIAN and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of XXXX XXXX and XXXX XXXX XXXX reporting services. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies EXPERIAN and XXXX do not have my consent to furnish this information related to this account and they surely do not have my written consent. Any and all consent to XXXX, EXPERIAN, XXXX XXXX XXXX, and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked.

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