Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed previous report due to inaccuracies of data on Experian credit reporting agencies and I have opted out with various corporation from reporting any transactional data in the last XXXX years. Experian is a complete FRAUD and is using inaccurate data a non authorized use of data for willful noncompliance with the LAW. The latest certified letter and marked up credit report of the inaccurate and unauthorized data that they are storing in their system is attached to this complaint. This is the third attempt to remove the inaccurate and unauthorized data from my credit report in 2-3 months. Experian has been unable to provide me the proof that I have given the accounts or them authorization to show that they can disclose non public personal information on a credit report. I have Opt Out of all credit and banking transactions of any kind to all nonaffiliated third parties of the credit reporting agencies. The following accounts do not have my authorization to show this information. In addition the information belongs to a XXXX XXXX XXXX and have trespassing violations for sharing non public private information. This information will be used to show willful violation of intent. The following accounts have been been opt out of sharing any an all credit and banking transactions of any kind. Account 1 ) I have given XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX notice XXXX XXXX XXXX in XX/XX/XXXX and the XXXX Notice of Opt out on XX/XX/XXXX. 2 ) XXXX ( via XXXX XXXX ) I have Opt Out of all credit and banking transactions of any kind to all nonaffiliated third parties of the credit reporting agencies. I have given XXXX notice of opt out in XXXX, XXXX and the 2nd Notice of Opt out on XX/XX/XXXX. 3 ) XXXX XXXX. I have Opt Out of all credit and banking transactions of any kind to all nonaffiliated third parties of the credit reporting agencies. I have given XXXX XXXX notice of opt out in XX/XX/XXXX and the 2nd Notice of Opt out on XX/XX/XXXX. 4 ) XXXXXXXX XXXX XXXXXXXX. I have Opt Out of all credit and banking transactions of any kind to all nonaffiliated third parties of the credit reporting agencies. I have given XXXXXXXX XXXX  XXXX notice of opt out in XX/XX/XXXX and the 2nd Notice of Opt out on XX/XX/XXXX. All of these are in violation of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bililey Act ( GLBA ) ( Privacy of Consumer Financial information ). 1. 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. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party and I have right to opt out of you sharing any information from a credit or banking transaction to any non affiliated 3rd party. In addition, XXXX is sharing private trust information or data that is owned by a XXXX XXXX XXXX and The XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The consumer reports still showS a fake account of XXXX XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). youre company is required by federal law to verify - through the physical verification of the original signed certified consumer contracts. I demand to demand to see a copy of the Verifiable, Validated Proof ( an original consumer contract with a wet-ink signature on it, copies of copies are not Validation and by law are not considered proof ), that you have on file for the account listed above. Under FCRA, unverified, invalid accounts must be removed. If you are unable to provide me with a copy of the verifiable/validated proof that you have on file with 14 days from this receipt of this notice for the account above then you must at once remove the account from the credit report. I demand the account be verified or removed immediately! Experian has not updated or removed any inaccurate data. Another certified mail number XXXX of the inaccuracies and unauthorized data on my consumer report was sent to Experian. They are committing IDENTIFY THEFT.

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