Consumer complaint received 2024-03-17 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: NY

Complaint narrative:
REMOVE ALL INACCURATE PERSONAL INFORMATION, NON-MAILABLE ADDRESSES, DUPLICATE PHONE NUMBERS, INACTIVE EMAILS, ALL TRANSACTS HISTORY, AND ALL UNLAWFUL ACCOUNT STATUS POSTING. 
XXXX XXXX XXXX ( TRUE AND CORRECT ) any other variation is incorrect and not a true representation of me as a consumer and has been submitted falsely and nefariously and collected and shared without my knowledge or consent!!! 
XXXX XXXX XXXX. 
XXXX XXXX XXXX, New York XXXX ( TRUE AND CORRECT ) all other addresses are non-mailable, and have been submitted nefariously and with malicious intent, as a consumer, I do not send, receive, or affiliate with any other address. Various other phone numbers have been Maliciously submitted in error, and further collected and shared without my knowledge or consent. XXXX ( TRUE AND CORRECT ) I have had the same phone number for many years, the other phone numbers listed on consumer reports are incorrect and submitted to financial institutions without my knowledge. They have been collected and shared in connection to me in error. I can not be reached through any of these lines, yet they appear on my consumer report seemingly nefarious, as they in no way identify a True and Correct representation of me as a consumer and are not a valid means of communication to me as a consumer ; and should be removed. 

As a federally protected consumer under the FCRA, I have the right to ensure that my private information is not shared and kept secure and confidential. XXXX, XXXX, and Experian are consumer reporting agencies who are doing the complete opposite, with their malicious treatment of my nonpublic personal information. They have failed to exercise their duties according to the standards set forth by Congress. 15 U.S. Code 1681 ( 4 ) states that 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. My right to these protections is further backed by Congresss policy found in 15 U.S. Code 6801, which obligates financial institutions to respect its customers privacy by ensuring its customers nonpublic personal is kept confidential. 15 U.S. Code 6801 ( a ) Privacy Obligation Policy 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.

15 U.S. Code 6827 - Definitions ( B ) Certain financial institutions specifically included - The term financial institution includes any depository institution ( as defined in section 461 ( b ) ( 1 ) ( A ) of title 12 ), any broker or dealer, any investment adviser or investment company, any insurance company, any loan or finance company, any credit card issuer or operator of a credit card system, and any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis ( as defined in section 1681a ( p ) of this title ). It is quite clear that XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, & XXXX XXXX XXXX XXXX are a financial institution by this definition under 15 U.S. Code 6801. Congress has established strict guidelines that prevent a consumer reporting agency from furnishing a consumer report without the written instructions from the consumer to whom it relates. Subsection 604 Permissible purposes of consumer reports [ 1681b ] ( a ) In general. States Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ). in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, & XXXX XXXX XXXX XXXX the financial institutions and XXXX, XXXX, & EXPERIAN the consumer reporting agencies do not have my consent or authorization to furnish this information and they most certainly do not have my written consent. Per the FCRA, as a federally protected consumer, I hereby make void, cancel, and revoke any and all consent to XXXX, XXXX, EXPERIAN, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, & XXXX XXXX XXXX XXXX, whether verbal, nonverbal, written or otherwise implied and I Opt. Out per 15 U.S. Code 6802, effective immediately and indefinitely. 15 U.S. Code 6802 ( b ) ( 1 ) states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless 6802 ( b ) ( 1 ) ( 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 6802 ( b ) ( 1 ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, & XXXX XXXX XXXX XXXX have left me unaware of any nondisclosure options I may have as a consumer, nor have they provided me with any correspondence explaining how I might exercise these rights. And in further unfair treatment of my personal information and poor practice the financial institutions are in violation of 15 U.S. Code 1681c ( a ) ( 5 ). 15 U.S. Code 1681c ( a ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. These accounts are clearly an adverse item which they are again reporting without my permission, and Congress has deemed disclosure without my consent is against the law. Further supporting my claim, 15 U.S. Code 1681s-2 ( 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. And 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, XXXX, & Experian have clearly abandoned all fair practice guidelines and have failed to maintain reasonable procedures. I further exercise my right to opt out per 12 C.F.R 1016.7 which states A consumer may exercise the right to opt out at any time. Effective immediately and indefinitely I am opting out of your reporting services.

Privacy Act of 1974 ( 5 U.S. Code 522a ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph, this obviously includes consumer reports.

( b ) Conditions of Disclosure No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be : ( 12 ) to a consumer reporting agency in accordance with section 3711e of title 31.

IT IS CLEAR THAT DISCLOSURE REQUIRES MY PRIOR WRITTEN INSTRUCTIONS TO DO SO, AND AS THE CONSUMER, I HAVE NOT GIVEN ANY WRITTEN INSTRUCTIONS- I DO NOT GIVE ANY AUTHORIZATION WHATSOEVER. 
XXXX, XXXX, EXPERIAN AND XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, & XXXX XXXX XXXX XXXX HAVE VIOLATED MY RIGHTS NOT ONLY PER THE FAIR CREDIT REPORTING ACT BUT ALSO THE PRIVACY ACT OF 1974. I am not asking for a pristine consumer report, but an ACCCURATE AND FAIR CONSUMER REPORT.

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