Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am demanding attention concerning this letter in regards to the inaccuracies being reported on my behalf. I disputed several things on my account that are still reporting and should not be reporting and violates the FCRA. I am reporting this to CFPB because 15 USC 6805 ( a ) says Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 USC 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of ConsumerFinancial 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.

15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) 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. 
( b ) Reasonable procedures It is the purpose of this sub-chapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this sub-chapter. XXXX, EXPERIAN, XXXX, XXXX and XXXX XXXX fails to maintain reasonable procedures designed to ensure that its reporting is as accurate as possible. Instead these CRAs have consistently reported several addresses that could be misconstrued as high risk or non-mailable addresses due to automated procedures, outdated and inaccurate information. This lack of Reasonable Procedures violates my rights under the FCRA and it hurt my ability to get credit by adding allegedly inaccurate and untrue information to their credit reports causing financial harm due to denied mortgages, car loans, credit opportunities and increased rental rates due to negative credit reports that should not have been reported from their credit files. This has caused emotional distress. 

15 USC 1681 ( a ) ( 2 ) ( a ) ( i ) Rules of Construction states the term consumer report does not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. The companies mentioned above are reporting payments on multiple accounts ( listed below ) and/ or Utilization which is an experience created by credit usage. 

15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX, EXPERIAN, XXXX, XXXX and XXXX XXXX nor any of their affiliates or third-party affiliates written instructions to report anything to my consumer report, let alone these payments and /or utilization. They need my written consent to add anything to my consumer report. I did NOT give this authorization and therefore this is a violation of the Fair Credit Reporting Act and Public Law 90-321 ( 82 Stat. 146 ) which is the law that backs the code, is even stricter, as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ). 

By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. 

The Inquiries listed on my credit profile are also a violation to The privacy act of 1974 and 15usc1681 ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681 of this title ; All of the inquiries and any reports stating payments were late should be removed. All payments were made on time using securities. A XXXX XXXX XXXX would clearly show none of the payments on any of my accounts were late, therefore, ALL of my accounts should show positive payment history. 

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. No adverse item besides the conviction of crimes should be on my report ; any item that is a derogatory mark is not allowed into consumer reports this is another violation. 

12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to my report without my written consent could be considered Identity theft. 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails 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 ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than { {$100.00} } and not more than { {$1000.00} } ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater ; I reached out to each company directly and let them know of the inaccuracies reflecting in my report and the representative over the phone verbally told me the inaccuracies would be removed and they would send me an updated report reflecting the changes. This has not been done and upon acquiring a recent copy of my report shows they removed nothing per our conversation. Once I notified the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid. As such I am entitled to monetary damages according to the law. 

Therefore, as a federally protected consumer I am now opting out of any-and-all authorization I, the consumer may have given you ; written, unwritten, verbal or nonverbal per 15 USC 1802 with instructions of the following ONLY : All Inquiries removed, all previous address ( non-mailable ) removed, all incorrect names and spellings removed, all payment status on past or closed accounts reported as paid in full and on time, all late payments updated to paid in full and on time, all opened accounts report name of creditor only and paid on time, all remarks removed, all conditions removed, all credit scores from XXXX, EXPERIAN, XXXX, XXXX and XXXX reported XXXX XXXX PERFECT CREDIT and 0 % Utilization. I hereby demand my written instructions be carried out in accordance with the FCRA, on each of my consumer files with the three bureaus. 

The only current personal information I verify as accurate reporting is the following : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I want all of my payment status ( es ), reportings and remarks for ALL accounts to be updated to paid as agreed/on time. Usage for all accounts to be updated to 0 %. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Pursuant to 15 U.S.C 1681 Section 602 ( A ) states I have the right to privacy. 15 U.S.C. 1681 Section 604 ( a ) further states a consumer reporting agency can not furnish an account without my written instructions. This account must be updated to show paid on time and as agreed. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Pursuant to 15 U.S.C 1681 Section 602 ( A ) states I have the right to privacy. 15 U.S.C. 1681 Section 604 ( a ) further states a consumer reporting agency can not furnish an account without my written instructions. This account must be updated to show paid on time and as agreed. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. Pursuant to 15 U.S.C 1681 Section 602 ( A ) states I have the right to privacy. 15 U.S.C. 1681 Section 604 ( a ) further states a consumer reporting agency can not furnish an account without my written instructions. This account must be updated to show paid on time and as agreed. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. Pursuant to 15 U.S.C 1681 Section 602 ( A ) states I have the right to privacy. 15 U.S.C. 1681 Section 604 ( a ) further states a consumer reporting agency can not furnish an account without my written instructions. This account is NOT my account and it further establishes the inaccuracies of the Credit Reporting Agencies. This account is also indicative of the reporting that has caused me financial hardship when it comes to people putting information on my report without my consent or knowledge. This appears to be the result of the security breach of the agencies or the agencies have mixed my file with another persons file because of inaccurate information. This account needs to be deleted and compensation for all of these inaccuracies needs to be forthwith. 

I demand the following to be removed from all 5 Credit Reporting Agencies, XXXX, EXPERIAN, XXXX, XXXX and XXXX in accordance with the law. All inquiries removed my credit report. I want all addresses other than the one specified herein to be removed as they are all non-mailable addresses. I want all derivatives of my name removed, except the current spelling provided herein. I want all phone numbers removed except the one provided herein.

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