Consumer complaint received 2024-10-28 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ) 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. Experian, XXXX, and XXXX are consumer reporting agencies and I am the consumer. It is my right as a federally protected consumer to make sure inaccurate and unfair information is not shared or furnished into my consumer reports.

My right 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. The information disputed is also protected by my rights under the Family Educational Rights and Privacy Act ( FERPA ) in regards to student loans from 2009 still being reported inaccurately.

15 USC 1681b ( a ) ( 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. All three bureaus are currently including transaction history, inaccurate adverse items, outdated educational account records ( FERPA ), and continue to grant promotional inquiries to per
son ( s ) who I am not currently under contract or doing any business with. 
The consumer reporting agencies Experian, XXXX, and XXXX do not have my consent to furnish this information and most certainly do not have my written consent. Specifically, information solely as to transactions and experiences between the consumer and the person making the report ( 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ), and more specifically information granting promotional inquiries ( sneak peaks ) of my consumer report to non affiliated third parties without my consent pursuant to the permissible purpose regulations of 15 USC 1681b as mentioned above. 
Experian, XXXX, and XXXX have each included 4 adverse items in my credit reports which are violations of 15 USC 1681c ( a ) ( 5 ) which 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 item of information, other than the records of conviction of crimes which antedates the report by more than 7 years. These violations are against the law and have created emotional and financial damages for myself and my family by resulting in credit denials including that of important personal loans and mortgage deals which in affect caused further financial hardship when obtained approval for credit should have never been a problem.

15 USC 1681e ( a ) 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. Experian, XXXX, and XXXX are not maintaining reasonable procedures.

Lastly, 12 C.F.R. 1016.7 states that, A consumer may exercise their right to opt out at any time. I am opting out of their reporting services that include the following ; transaction history, giving of promotional inquiries to non affiliated third parties, and inaccurately reporting adverse items on each report from all parties involved. It is my intention to make sure my consumer reports with Experian, XXXX, and XXXX are accurate, up to date, and fair for my benefit moving forward as a federally protected consumer.

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