Consumer complaint received 2024-04-19 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: CA

Complaint narrative:
I initially mailed Experian a letter on XX/XX/XXXX, regarding the deletion of my nonpublic personal information on my consumer report. Furthermore, I submitted a CFPB complaint in XX/XX/XXXX. Under the Fair Credit Reporting Act, there is a need to ensure the accuracy and fairness of credit reporting. Under the Privacy Act of 1974 and 15 USC 1681 ( a ) ( 4 ), I have a right to privacy and consumer reporting agencies must respect a consumers right to privacy. Also, per 15 USC 1681b ( a ) ( 2 ), I never gave Experian written instructions to furnish a consumer report. PROOF OF CLAIM : For Experian to provide me with any documentation that I wrote giving them permission to furnish a consumer report. It is a concern of mine that Experian is committing identity theft by furnishing this information without my written consent. In addition to the violations above, the IRS clearly considers discharged debt as income ; income is not reported on a consumer report. Ive received two XXXX Cancellation of Debt forms from both creditors, XXXX XXXX XXXX  and XXXX XXXX  XXXX in regards to both Upstart Accounts that prove the accounts have been discharged and are income. Both accounts are inaccurate and should be removed from my consumer report immediately. In addition to both of the XXXX accounts, 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) states a consumer report does not include my transaction history : The term consumer report excludes information solely as to transactions or experiences between the consumer and the person making the report. Reporting my transaction history is illegal, and Experian has reported this information how many times? This is a violation each time they have furnished this information, again without my written consent. The following accounts shall be updated to PAID AS AGREED or removed from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX Per 15 USC 1681e, consumer reporting agencies have a responsibility to avoid violations under the Fair Credit Reporting Act. 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. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. There has been no resolution to the previous CFPB complaint filed, or in regard to a letter that was received in XXXX. Once again, under the Fair Credit Reporting Act, there is a need to ensure the accuracy and fairness of credit reporting. I have spoken to Experians agents, phone call reference number XXXX, a phone call with Experian agent XXXX, and she claimed on behalf of Experian that they comply with all FCRA regulations, which is a false statement. Experian continues to commit violations under the Fair Credit Reporting Act and is committing identity theft by accessing and furnishing my nonpublic personal information without my written consent. It is clear since I am filing another CFPB complaint that Experian is civilly liable per 15 USC 1681n for willfully failing to comply with the law.

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