Consumer complaint received 2024-04-18 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:
These consumer reporting agencies : XXXX, Experian, XXXX, XXXX, show multiple addresses, employers, and names on my credit report. The below are the only items that are correct- others should be deleted as such : Addresses : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX any/all other addresses shown are non-mailable. 
Name : XXXX XXXX XXXX year of birth XXXX no other names or years are valid Employer : XXXX XXXX XXXXXXXX no other employer should be listed.

15 U.S. Code 1681b - Permissible purposes of consumer reports, subject to subsection ( c ) : any consumer reporting agency may furnish a consumer report under the following circumstances and no other : o with the written instructions of the consumer to whom it relates, and with the written consent of that consumer to add anything to their report ; otherwise, it violates the FCRA. 
P.L XXXX ( XXXX XXXX. XXXX ) : Agencies are only allowed to get my consumer report as a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ). 

XXXX, Experian, XXXX, and XXXX are in violation of the Privacy Act of 1974 and the Family Educational Rights and Privacy Act -20 USC 1232g, and 34 CFR Part 99, by reporting my student loan transactions and history without my consent. I was under the purview that the schools I attended, and loan servicer 's would abide by the Privacy Acts and not provide any transactional history to any XXXX XXXX companies, i.e. the consumer reporting agencies. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a : states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX, XXXX, Experian, and XXXX, are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared, allowing me to be victimized again as a victim of identity theft. As each consumer reporting agency buys credit information in bulk in essence, they are stealing my identity and administering my estate without my consent. Further, 12 CFR 1022.3 states anything added to my report without my written consent could be considered identity theft. 15 USC 6801 backs my claim by stating : It is the policy of the Congress that each financial institution has an obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are financial institutions under that title. 
15 USC 6802 ( b ) ( c ), states that a financial institution may not disclose nonpublic personal information to a non-affiliated third party, unless the consumer is explained how they can exercise that nondisclosure option. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my privacy under the terms and conditions they granted to me at the time I opened accounts with them. They are supplying credit history and transactional information to non-affiliated XXXX Party Reporting Agencies : XXXX, Experian, XXXX, XXXX, and Early Warning System, and never advised me I had the right to exercise my non-disclosure options. Further, 12 CFR 1022.3 states anything added to my report without my written consent could be considered identity theft.

15 USC 1681C ( a ) ( 5 ) states '' 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 or derogatory item of information, other than records of convictions of crimes which antedates the report by more than seven years, to my consumer report ( inquiries, late payments, utilization ). XXXX, Experian, XXXX, and XXXX, and XXXX XXXX XXXX are not maintaining reasonable procedures. Therefore, unless authorized under subsection ( b ), XXXX, Experian, XXXX, and XXXX, are in violation of 15 USC 1681c, by reporting the below adverse information without my permission which is against the law : Late Payments ALL late payments reported should be removed. 
o XXXX XXXX XXXX ( who is not the original creditor and have no right to report this account ). 
o XXXX XXXX XXXX who is not the original creditor and have no right to report this account ). 
CREDIT INQUIRIES All inquiries should be removed. Especially the ones where there is not an account opened for. 
REVOLVING CREDIT INACCURACIES Balance, Payment, Open, Closed XXXX XXXX XXXX {$100000.00} payment : {$2800.00} closed : XXXX o EQ= {$100000.00} payment : {$2800.00} closed : XXXX XXXX XXXX {$100000.00} payment : {$2800.00} closed : XXXX INSTALLMENT CREDIT INACCURACIES Balance, Payment Open Closed XXXX XXXX = {$230000.00} payment : {$2900.00} open : XXXX closed : XXXX XXXX XXXX= {$160000.00} payment : {$1800.00} open : XXXX closed : XXXX XXXX XXXX {$170000.00} payment : {$2400.00} open : XXXX closed : XXXX XXXX ACCOUNTS INACCURACIES Balance, Payment : XXXX XXXX = {$310000.00} payment : {$5700.00} XXXX XXXX  {$240000.00} payment : {$4700.00} XXXX XXXX= {$260000.00} payment : {$5200.00} 15 USC 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 section 604 a section 2 states, " 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 the written instructions of the consumer to whom it relates. '' The financial Institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the Consumer reporting agencies : XXXX, Experian, XXXX, XXXX, and XXXX XXXX XXXX  do not, and dont have my written consent. As 12 CFR 1016.7 states A consumer may exercise the right to opt out at any time, I am opting out of reporting services per below : " I, XXXX XXXX XXXX, immediately and indefinitely revoke Any and All authorization or consent I, as a consumer ; may have given via written, unwritten, implied, verbal, and non-verbal to report my personal information or transactional history to ANY of their affiliates, and non-affiliates and XXXX party for : XXXX, Experian, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S. Code 1681e states '' 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 1681 ( b ) of this title. XXXX, Experian, XXXX, XXXX, and XXXX XXXX XXXX are not maintaining these procedures.

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