Consumer complaint received 2025-01-28 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC1681 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. Per 15 U.S. Code 1681 - Congressional findings and statement of purpose ; ( a ) Accuracy and fairness of credit reporting, The Congress makes the following findings : ( 4 ) 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. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

There is definitely a need to protect my ( the consumer ) right to privacy. Per 15 U.S. Code 1681a - ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. XXXX XXXX XXXX XXXX ( the furnisher ), XXXX, XXXX and Experian are consumer reporting agencies, and I am the Consumer. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. This account # XXXX with a balance of {$18000.00} ( XXXX XXXX XXXX XXXX ) has been reporting transactions and/or experiences on my consumer report since XX/XX/XXXX. Reporting Transaction history is illegal. Furthermore, 15 U.S. Code 1681c Requirements relating to information contained in consumer reports ; 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. No adverse item besides the conviction of crimes should be on my consumer report, any item that is a derogatory mark is not allowed into consumer reports. This is also in violation of the Privacy Act of XXXX. Please remove all transactions and experiences related to this account. Please do not remove this account from my consumer report but instead, update this account as paid as agreed.

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