Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This complaint raised my concern on XX/XX/XXXX Account number XXXX. 
According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX XXXX XXXX XXXX  - 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. '' Opt- Out law - XXXX XXXX XXXX XXXXXXXX That law clearly states that I have the right to Opt-out of anything that's on My credit report. 
Per- The FCRA as A federally Protected Consumer, I am Now Opting Out From any and all Authorization, That ( I ) the consumer, May have given you, Written, unwritten, verbal, non-verbal Per XXXX XXXX XXXX. 
Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974. 
XXXX XXXX XXXX XXXX - permissible purpose of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. ( XXXX XXXX XXXX has not had My Written consent to report any impact on my consumer report file ) They Do not have my Written Permission to report. 
XXXX XXXXXXXX XXXX XXXX XXXX Permissible purposes of consumer reports XXXX XXXX XXXX XXXX  accordance with the written instructions of the consumer to whom it relates. ( b ), no consumer reporting ageXXXX XXXX XXXXake 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 anteates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 
Experian, XXXX, XXXX, XXXX XXXX & XXXX XXXX XXXX is a XXXX XXXX company.this reporting is in direct violation of XXXX XXXX compliance standards. 
Important Definitions - The term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph This includes consumer reports. 
Experian, XXXX, XXXX, XXXX, & early morning services, is a XXXX XXXX company. 

Account Means : A Written list of Transactions, noting MONEY Owed and money paid; Statement of mutual demands Arising out of a contract or a fiduciary relationship. 
Account can simply list payments, losses, Sales, Debits, Credits, and other transitions, or it may further and show a balance or the results of companies opposite transaction, like purchase and sale.

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