Consumer complaint received 2024-01-04 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: IL

Complaint narrative:
i am formally making this complaint because Experian and XXXX has been reporting unfair and inaccurate information on my Consumer Report. Now because their willful non compliance i have not been able to obtain any goods or Services for personal for personal, family and household purposes. According to the Fair Credit Reporting Act 15 USC 1681 it clearly states that 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. I have the right to make sure my private information isnt shared which is also backed up by 15 USC 6801 ( a ) Privacy obligation policy 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. May i remind you that Experian and XXXX are credit reporting agencies. by definition A credit reporting agency ( also called a credit bureau or credit agency ) is a private company that collects and sells information about a person or corporations identifying information, debt, and repayment history in order to create credit reports and credit scores indicating the creditworthiness of each person or corporation. Credit reports are sold to qualified extenders of credit or to those for whom a would-be debtor has executed a release. Credit reports and scores are used by banks, mortgage lenders, credit card companies, landlords, and potential employers to screen applicants. 
The three major credit reporting agencies XXXX, Experian, and XXXX are regulated by the federal Fair Credit Reporting Act and are members of the Associated Credit Bureaus of America. so with that being said XXXX and Experian is also a Financial instution, not only are you reporting in accurate information on my consumer report but your also selling my personal information. i am no longer requesting you to report fair and accurate information on my consumer report, i am now DEMANDING!!!! you guys are reporting transactions, charge offs on my consumer report which is ILLEGAL and a DIRECT VIOLATION of the FCRA. i would like to remind you you that charge offs are considered income and income is not to be reported on a consumer report as well. 15 USC 1681 a ( 2 ) ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;. you also have also been reporting adverse items on my consumer report which is also a direct violation of the FCRA. like i said because of this, it has caused me not only financial hard but embarrassment as well going into establishments trying to obtain goods and services and being denied in public

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