Consumer complaint received 2024-12-23 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: SC

Complaint narrative:
Experian, XXXX, XXXX are the credit agencies and is obligated to the FCRA. I am the consumer I have a right to privacy and confidentiality. The credit reporting agencies are reporting inaccuracies to my consumer report. As a federally protected consumer per 15 USC 1681a ( 2 ) ( a ) ( i ) " Except as provided in paragraph ( XXXX ), the term consumer report does not include- report containing information solely as to transactions or experiences between the consumer and the person making the report ''. I noticed that Experian, XXXX, and XXXX have reported payment history and now has hindered my ability to secure credit, putting me at a disadvantage. Experian, XXXX, and XXXX have reported transaction history from XXXX XXXX account ending in XXXX from XX/XX/XXXX until XX/XX/XXXX. 15 USC 1681b ( a ) ( 2 ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instruction of the consumer to whom it relate. Experian, XXXX, and XXXX did not have my consent and they do not have my written consent to furnish anything to my consumer report without my authorization. All consent to Experian, XXXX, and XXXX whether it be verbal, non-verbal, written, implied or other is revoked. 15 USC 1681b ( a ) ( 3 ) ( a ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer. I observed Experian, XXXX, and XXXX have reported soft inquires on my credit report with other parties I don't have an account involving an extension of credit to, now my credit report is inaccurate. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 1681e ( b ) Whenever aconsumer reporting agencyprepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Experian have reported an account with XXXX XXXX beginning with XXXX and XXXX, and XXXX XXXX have an account reported with XXXX XXXXXXXX there is an inaccuracy within the XXXX credit reporting agencies it is supposed to be complete accuracy within the report from Experian XXXX XXXX and XXXX XXXX There is a civil penalty for the violation of my rights per 15 USC 1681n ( a ) ( 1 ) " Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of, any actual damages sustained by the consumer as a result of the failure ''. Given the negligent noncompliance of Experian, XXXX, and XXXX with the requiremnts stated in FCRA, I understand {$1000.00} per violation is what the law required since I was violated. 15 USC 6805a " This subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law ''. The Consumer Financial Protection Bureau as well as the FTC are the enforcers of XXXX XXXX and the Fair Credit Reporting Act is under that title.

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