Consumer complaint received 2024-06-24 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: MS

Complaint narrative:
ATTENTION TO XXXX XXXX, XXXX, XXXX, and EXPERIAN This complaint is in reference to a XXXX XXXX  XXXX loan that has been tendered and paid in full but is reporting discrepancies to my credit report and also not reporting that the account has been paid in full Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to XXXX XXXX, XXXX, XXXX, and EXPERIAN written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information.

The following items listed below are all in violation of my privacy rights under the Privacy Rights Act of 1974, also 15 USC 6801, 15 USC 6805 and 15 USC 6802 obligation to disclosure of personal Information. 

XXXX, XXXX, EXPERIAN and also XXXX XXXX  should be penalized for there unlawful actions violating my rights, all are guilty of either reporting or disclosing my information. I Have attached a report of my credit report from all 3 bureaus and you will be able to see the proof of discrepancy within the credit bureaus and XXXX XXXX. All the credit bureaus are reporting different dates of accounts being open, different loan balances, payment history, all inaccurate reporting violating 15 USC 1681. Each violation is subject to {$1000.00} fine per violation made by each party involved. XXXX XXXX  is reporting Late Payments from XX/XX/XXXX up until XX/XX/XXXX. These late payments are reporting to XXXX, XXXX, and EXPERIAN with discrepancies, they all report different information, completely in violation of 15 USC 1681 inaccurate reporting, 15 USC 6801 illegal to report transaction history, 15 USC 6802 disclosure of personal information. I signed a privacy agreement with XXXX XXXX  that they wouldn't disclose my information to a third party company and all three credit bureaus are third party companies, therefore illegal to report on my credit file. XXXX XXXX  can't disclose my information and the credit bureaus can't report it. They both owe for compensation. XXXX XXXX  also has remarked my credit report with a REPOSSESION/REDEEMED note and it is reporting on all three credit bureaus also in violation of my privacy rights under the Privacy Rights Act of 1974, also 15 USC 6802 disclosure of personal Information, also subject to {$1000.00} fine for violation of my rights. It is unlawful and they are in violation of invading my rights and I am invoking my right to opt out of XXXX XXXX  disclosing my information under 15 USC 6802. I am also invoking my right to opt of XXXX, XXXX, and EXPERIAN reporting my personal information also under 15 USC 6802, as in credit utilization and payment history, which is inaccurate falling under 15 USC 1681. I have a suffered behind these unlawful acts by XXXX XXXX, XXXX, EXPERIAN, and XXXX as it has impacted my credit score unlawfully and needs to be. resolved immediately by removing the information from the credit report and also cease the reporting.

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