Consumer complaint received 2024-01-29 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:
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 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. XXXX, Per the FCRA as a protected consumer I opted out of all authorization used to a third party. I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6801-6805 the Privacy Act of 1974. Per 15 USC 1681 Effective immediately and indefinitely. All the inaccuracies of my personal information must be cleared off my report. All versions of names except my only Name. All other versions are in violation. There is only XXXX correct address that should be in my Credit Report. ALL OTHER locations or addresses are UNMAILABLE and MUST BE REMOVED. - XXXX XXXX and other companies has Multiple Soft Inquiries are NOT AUTHORIZED : Per the FCPA as a protected consumer I have opted out of all authorization. I the consumer may have given written, unwritten, verbal, and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed.

All Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown. DEPT OF EDXXXX, Acct # XXXX is a violation of the family and educational Privacy Act of 1974. The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) Account mark account PAID AS AGREED CHARGE OFFS is being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports, The Charged account and Collection accounts list below is being reported on my credit MUST be removed. Account Name : XXXX XXXX ( Original Creditor : XXXX  ), Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX ; Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX ; Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Acct # : XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX ; Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX A XXXX XXXX ) Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : XXXX : Account Name : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Acct # : XXXX, Balance : XXXX ; Account Name : XXXX XXXX, ACCT # XXXX, BALANCE : XXXX Account Name : XXXX XXXX, XXXX, BALANCE : XXXXAccount Name : XXXX, Acct # XXXX BALANCE : XXXXThe Charged accounts and Collection accounts being reported on my credit MUST be removed. Account Name : XXXX XXXX Account # : XXXX Balance XXXX. Has been discharged off which reported as income. Mark account PAID AS AGREED. ALL companies listed are financial institutions under that title. 15 USC 1681 section 604 a 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 the written instructions of the consumer to whom it relates. These companies Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), but no consumer reporting agency may also 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( 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 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 1681b of this title. XXXX and Experian do not maintain reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time 15 U.S. Code 1681n - Civil liability for willful noncompliance b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

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