Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I demand a deletion of all personal identifiable information from my consumer credit report except for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ [ XXXX ] Date of Birth : XX/XX/XXXXXXXX XXXXXXXX Please delete all other addresses, I can not receive mail or any correspondence, nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete all phone numbers as the other two bureaus have already done. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. 
Please also update all inaccurate forms of my personal name. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please update and delete all requested personal information. 

I have made an initial attempt to work with the credit bureaus via phone on XX/XX/XXXX, I submitted disputes online with submission of ID and Social Security Card and your validation methods are in question. This tells me they did not properly validate. Letters were sent to all three bureaus as their second form of notification regarding these matters. 

In accordance with the Fair Credit Reporting Act, all three bureaus have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978. These enitities also violated 15 U.S. Code 6802. Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. It clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. I have communicated with all bureaus supplying them with the following : Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, un-written, verbal, and non-verbal per 15 USC 6802 ( b ). I do not give you permission to access, use nor house my information, hard inquires, soft inquiries, any collections and or charged off accounts and any such use is in violation of 18 USC 1028A Aggravated Identity Theft. I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency nor notification that Experian, Equifax or Transunion had possession of my information.

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