Consumer complaint received 2024-04-01 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: GA

Complaint narrative:
The Congress found that I wasnt to assume that you would exercise your responsibility with fairness, impartiality with respect to my consumer report and rights to privacy. It was your responsibility to adopt reasonable procedures for meeting the needs of commerce for my consumer credit, personal insurance, and other information in a manner which was to be fair and equitable to me. These were to include the confidentiality, accuracy, relevancy, and proper utilization of such information. In accordance with the FCRA there shouldnt be any need for me to protect my right to privacy. 
You are a credit reporting agency, and I am a consumer where I have the vested right to make sure that my private information isnt shared with anyone without my express consent whereas 15 U.S.C. 6801 states that the Congress policy is to each financial institution has an affirmative and continuing obligation to respect my privacy as a customer and to protect the security and confidentiality of my nonpublic personal information as a customer. A financial institution is defined under title 15 U.S.C. 1681 section 604 where 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 my written instructions as it relates to me. 
As you may know that pursuant to the Fair Credit Reporting Act ( FCRA ) all 445 items marked for removal in the exhibit are adverse to me being reported without my permission violating as stated in 15 U.S.C. 1681a ( 2 ). In the permissible purposes of my report, you were to only furnish a consumer report in accordance with my written instructions, where I never given you written consent to furnish these 455 items to my consumer report which is a violation of the FCRA 15 U.S.C. 1681b.

All furnishers listed by numbers never informed me of my right to exercise my non-disclosure option as stated in 15 U.S.C. 6802 ( b ) ( c ) A financial institution may not disclose my nonpublic personal information to a nonaffiliated third party unless I am given an explanation of how I could exercise a nondisclosure option, whereas none of the furnishers from numbers 1-11 listed on the exhibit never informed me of my right to exercise my nondisclosure option.

It implies in 15 U.S.C. 1681c ( a ) ( 5 ) 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 or information, other than records of convictions of crimes which antedates the report by more than 7 years. Accounts listed from 1-11 are adverse items, where they are reporting without my permission, which violates the law as it is written.

A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. As stated in 15 U.S.C. 1681s-2 ( a ) ( 1 ). In light of these matters and violations it further states in 15 U.S.C. 1681e that 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 under section 1681b of this title.

These listed issues are evidence that you did not protect my information from any of the accounts listed or any of the inquiries whether hard or soft to be protected from such company or agency. These companies were not to be provided with my information as they do not align with the purpose specified in the FCRA, whereas you have a duty to conduct a reasonable investigation into disputed information.

There are a total of 445 items in this report that I never gave written consent for you or the furnishers to report to my consumer file. With this matter being extremely important to me I am requesting the master file to this consumer account that will include written notices that you have gotten from me for each account that is listed on the exhibit for removal.

The accuracy and fairness of my credit report doesnt currently seem to align with my best interests and seems to be aligned with only yours and the furnishers best interests. You have acted of your own will and have allowed accounts, hard inquiries, soft inquiries, late payment, charge offs, repossessions to be reported to my report without my express permission. I am giving you 4 days to update my report and reflect on it with my true intentions by this written removal of all listed accounts, inquiries, jobs, names and non-mailable addresses.

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