Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i am utterly disgusted with Experian willful non compliance to the laws they agreed to abide by since they assumed the role to report to My CONSUMER report. still reporting inaccurate information from personal information and accounts and inquires. not only that but it is the job of the CFPB to protect the Consumer and to regulate these companies and make sure they abide by the laws set in place per the FCRA, FDCPA, THE PRIVACY ACT OF 1974, etc. i do not feel protected at all. ALL of my rights and PRIVACY are being violated. i have already expressed that non of these agencies had my written Consent for such reporting .regardless of where you claimed you got this information for such reporting I NEVER GAVE ANYONE MY WRITTEN CONSENT 15 USC 1681 b ( 2 ) clearly states " any consumer reporting agency my furnish a consumer report under the following circumstances and NO OTHER ( 2 ) IN ACCORDANCE WITH WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES " Experian is Willfully being non complaint and now is facing civil liability 15 USC 1681n. Experian is also once again violating my privacy per the Privacy Act of 1974 ( 5 USC 552a ). Important Definitions ( 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 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 3711 ( e ) of title 31. 
Again they need prior written instruction of the individual to whom it relates. 

Experian is intentionally trying to keep harming me and me family financially and continue to humilliate me i can not obtain any credit. Experian you are violating PART 1016- PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ). i will also express again that i have the right to make make sure my privacy uint shared which is backed by 15 USC 6801 which 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. 


no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( 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. 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 and Experian are not maintaining reasonable procedures. 
I AM ASKING THAT THE CFPB STEP IN TO REGULATE THIS MATTER AND ENFORCE THESE ELABORATE MECHANISMS TO FOLLOW THE LAWS

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 non-monetary relief