Consumer complaint received 2024-05-20 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: NC

Complaint narrative:
I have obtained copies of my credit report from all 3 credit reporting agencies. XXXX, XXXX and Experian all are reporting inaccurate information, unlawful information which was not authorized in writing, verbal or otherwise by me at any time. I was never sent an opt out request from any of these companies which is a violation of 15 USC 6508. Under the Family Educational Rights and Privacy Act ( FERPA ) the student loan information furnished by Dept of ed/XXXX on all of my credit reports is in violation of my rights. 

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. 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 XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 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 XXXX XXXX Dpt edXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX all of the financial institution reporting on my credit report and the Consumer reporting agencies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 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 XXXX XXXX XXXX XXXX XXXX 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 whichis against the law. 15 U.S. Code 1681s-2 ( 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 168 lc of this title and to limit the furnishing of consumer reports to the purposes listed under section 168lb of this title. '' XXXX and Experian 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 your reporting services. '' A charge off is considered a certificate of indebtedness which means it is income and must be removed. 
Charge off accounts : Both XXXXXXXX XXXX are charge offs. Both XXXX XXXX accounts are charge offs. XXXX XXXX XXXX account is a charge off/written offXXXX XXXX XXXX XXXX account is a charge off. XXXX XXXX XXXX account is a charge off. XXXX XXXX account is a charge off. XXXX XXXX XXXXXXXX XXXX account is a charge off.

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