Consumer complaint received 2024-05-28 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: TX

Complaint narrative:
It is the self-imposed responsibility of the consumer reporting agencies, Experian, XXXX and XXXX that have assumed a vital role in assembling and evaluating consumer credit and other information on consumer reports be accurate information per 15 USC 1681, Section 602. With several failed attempts on my behalf over the last 4 months to have the agencies correct reporting errors they continue to deny my request and violate my consumer rights per the Fair Credit Reporting Act, the Privacy Act of 1974, and the Equal Credit Opportunity. This negligence is having a significantly negative effect on my finances and these actions do not protect me as the consumer. The term consumer report per 15 USC 1681a ( d ) ( 1 ) means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics. Exclusions are and DO NOT include any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. All three agencies continue to violate my rights according to 15 USC 1681b by providing transactions and other information that shows the relationship between myself and the creditor. Showing monthly transaction amounts, account balances, and status of payments, ( on time or otherwise ) is a direct reflection of the relationship between myself as the consumer and the creditor and a direct violation of my rights. These statuses should be updated to paid as agreed and nothing else. Concurrently, showcasing the aforementioned also violates my rights according to the Privacy Act of 1974, and Section 3 of 5 USC 552a ( 4 ) which defines the term " record '' as any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, education, financial transactions, medical history, and criminal or employment history and that contains the name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph. It is my right under the Constitution of the United States that my privacy be protected and the violations be updated for the following accounts : XXXX, XXXX, XXXX and XXXX. 

Furthermore, per Section 604, 15 USC 1681b ( 2 ) limits the information received under paragraph ( 1 ) ( B ) in connection with credit or insurance transaction ; A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. The illegal reporting also reflects adverse actions defined as an action taken or determination that is made in connection with a review of an account under section 604 ( a ) ( 3 ) ( F ) ( ii ) [ 1681b ] ; and ( II ) adverse to the interests of the consumer. In addition to Section 605, 15 USC 1681c ( 5 ) any other adverse item of information, other than records of convictions of crimes should not be reported. Additionally, I did not give the credit agencies written instructions to share my nonpublic information per Section 604, 15 USC 1681b ( 2 ). Giving my information to third party companies, is yet another violation of the credit agencies and a clear violation of my privacy under the Privacy Act of 1974, 15 USC 6802 and Section 3 of 5 USC 552a ( b ) which states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains stated in the Privacy Act of 1974. Regarding 15 USC 6802, all of the aforementioned accounts failed to provide me the option to opt of the sharing of my nonpublic information with nonaffiliated parties. As a result to these violations, I have suffered a range of actual damages including, without limitation lost credit opportunities and benefits ; loss of labor, time and money trying to correct my consumer reports ; damage to my reputation ; loss of sleep ; lasting psychological damage ; loss of capacity for enjoyment of life ; and emotional distress, including mental anguish, anxiety, fear, frustration, humiliation, and embarrassment. Lastly, while scrubbing my reports it is clear that there is a discrepancy in each reporting agency on how information is reported within the same account over time. This inconsistency makes it clear that the credit bureaus are picking and choosing what laws gets followed and which ones don't.

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