Consumer complaint received 2024-11-27 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: WI

Complaint narrative:
Identity Theft Reports and dispute letters ( responsibility of a furnisher dispute, permissible purposes dispute, late payment dispute ) were sent to the financial instituions and credit reporting agencies XXXX, XXXX, Experian for fraudulent accounts reporting as well as an account with late payments reporting. These letters were sent XX/XX/XXXX by certified mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , Experian have failed to remove the following fraudulent accounts XXXX XXXX XXXX showing a balance of {$5700.00} XXXX XXXX XXXX XXXX showing a balance of {$26000.00} XXXX failed to remove the following fraudulent account XXXX XXXX XXXXXXXX showing a balance of {$21000.00} XXXX, XXXX, Experian all failed to remove " late payment '' information for XXXX XXXX XXXX car payment even after receiving 3 letters each describing the laws they are breaking listed below. 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies and I am the Consumer. I have the RIGHT to make certain my private information is not shared which is backed by the law ( 15 USC 6801 ) which states " It is the Policy of the Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of its customers ' nonpublic personal information. '' XXXX, XXXX, Experian are financial institutions by definition under the title 15 USC 1681 section 604 section 2 states that " In General Subject to subsection ( c ), any consumer reporting agency my 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 and consumer reporting agencies XXXX, XXXX, Experian DO NOT HAVE my consent to furnish this negative information detailed above. And they most certainly do not have my written consent of which they have not provided upon request in written letters. Any and All consent to the financial institutions and consumer reporting agencies : XXXX, XXXX, Experian whether it be verbal, non-verbal, written, implied, or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that : A financial instituion may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise the nondisclosure option. '' NONE of these financial institutions : XXXX, XXXX, Experian EVER informed me of my right to exercise my nondisclosure option. Not only this, 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts reported by XXXX, XXXX, Experian are adverse times and are being reported WITHOUT my permission which is AGAINST THE LAW. 15 U.S. Code 1681s-2 ( A ) ( 1 ) 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 purposed listed under section 1681b of this title. '' XXXX, XXXX, Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt ouf at any time. " XXXX, XXXX, Experian I am opting out of your reporting services. ''

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