Consumer complaint received 2024-03-21 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:
Per 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 consumers right to privacy. '' 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 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 : On XX/XX/XXXX Credit reporting companies, ( XXXX, XXXX, Experian ) were informed that I have opted out of from all credit reporting agencies, credit card companies, banks, all etc., per 12 CFR 1016.1, 1016.13, 1016.14, 1016.15 from reporting, selling or sharing any/all my information. Also accounts that were not, wrongfully reporting balances or payment history ( 15 USC code 1681 ) that needed to be updated as well as personal information on file/report. None to little change 30 and 45 days later. On XX/XX/XXXX after calling each agency over the phone to update personal information and make disputes, certified packages went to XXXX ref # XXXX, Experian ref # XXXX, XXXX # XXXX disputing incorrect information and unlawful reporting. XXXX agents were combative and very resistant to make lawful updates/changes to personal information and credit card reporting 's and unauthorized inquiries. No updates made to file or report. In XXXX I spoke with representatives from all companies to follow up on credit reporting and corrections. Instead of XXXX updating student loans to reflect XXXX balance, they completely removed all student loans from the credit report. Since all 3 credit companies have not updated reports, I sent each another request with reports marked appropriately with correct information. XXXX ref # XXXX, Experian XXXX, XXXX re # XXXX. XXXX XXXX history is illegal -15 USC 1681a. Also credit agencies/companies need written consent to add anything to my consumer report. This is a violation of the Fair Credit Reporting Act. 15 US Code 1681 c -Compliance procedures, ( b ) Accuracy Report. Companies are liable for damages under 15 US Code 1681 n-Civil liability for willful noncompliance. Other violations 15 USC 1681, 15 USC 1681s-2, Privacy Act of 1974 ( US code 552a ) Also the credit accounts that are listed/sold or charged off to affiliates/3rd parties are in violation as well. I would also like to add charge offs are considered income and not to be on credit files/reports.

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