Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Ive contacted Experian since XX/XX/XXXX regarding reporting inaccurate information on my account XXXX XXXX I spoke with an employee name XXXX who was very rude and treated me like trash so I proceeded to ask to speak with a manager he had me on hold for 10-15mins and told me XXXX would give me a call back she never did every time I try to fix my personal information they give me the run around calling all different companies they refuse to delete names on my customer report even though I sent in my social security card with the exact name and thats the only spelling and format that needs to be used every other name multiple variations thats on my consumer doesnt belong to me delete these names immediately, I also sent a light bill with my mailable address furthermore they furnishing out, outdated and irrelevant addresses on the premises that the credit report is suppose to be accurate 15 usc 1681 ( B ) speaks about relevancy of the information on consumer report and obligation you have to report accurate information you are reporting inaccurate information and outdated information on my consumer report you have single handedly caused damage to my reputation, my character, my mode of living this information need to be deleted, Further, Consumer law code 15 USC 1681 ( Q ) and 15 USC 1681 ( A ) ( 2 ) If any person uses my information without permission that is aggravated identity theft. There must be permissible purpose. I did not give permission for XXXX XXXX XXXX to report this or any account on my consumer credit reports. This is also violation of my consumer rights and causing me mental anguish, inability to obtain credit, also According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove these items from my credit report, I felt an overwhelming feeling of being misused and abused from the violations and inaccuracies which has prohibited me from experiencing an equal quality of life, According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX XXXX, Experian and XXXX XXXX services, 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 information. '' ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  also know as XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) 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 under section 1681b of this title.Experian is 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.. '' THESE accounts are adverse items 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. And I know there is information that is being reported that is 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. I also know that reporting transaction history is illegal per ( 2 ) exclusions ( a ) ( i ) containing information solely as transactions or experiences between the consumer and the person making the report. I just want my reports to reflect the right information that is supposed to be reported accurately. Experian INACCURATE REPORTED THAT IS IN VIOLATION TO MY CONSUMER RIGHTS ; Per Privacy Act of XXXX and it shall be removed from my credit report Credit Reports Inaccurate Identification Mis-spelled Name Non-mailable address that Do Not belong to me INQUIRES- Violation to my consumer rights per 15 U.S CODE 1681-PERMISSIBLE PURPOSES OF CONSUMER REPORTS COMPANIES THAT I HAVE NEVER DONE BUSINESS WITH THAT HAVE PARTICIPATED IN ILLEGAL ACTIVITY AND HAVE PERFORMED IDENTITY THRFT THAT ARE VIOLATING MY CONSUMER RIGHTS REPORTING CHARGE-OFFS THAT ARE ABSOLUTELY DEEMED CERTIFICATES OF INDEBTEDNESS AND IS ALSO CONSIDERED INCOME CAN NOT BE REPORTED ON MY CONSUMER CREDIT REPORTS ; AND SHOULD BE MOVED IMMEDIATELY. federal legislation mandates precise management of personal information by government entities.

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 non-monetary relief