Consumer complaint received 2025-04-21 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: TX

Complaint narrative:
Please remove all of these names as I only go by XXXX XXXX ( I do not include my middle name or middle initial ). I called and reported this in XX/XX/XXXX, XX/XX/XXXX and now again XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Please remove all late payments from the following : XXXX. XXXX  XXXX XXXX # XXXX XXXX. XXXX # XXXX was not reporting in previous reports XXXX. XXXX  loans # XXXX -c/o XX/XX/XXXX, c/o XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - # XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. Possible Finance # XXXX -c/o XX/XX/XXXX XXXX. XXXX XXXX Bank # XXXX this was removed in XX/XX/XXXX and reappeared XX/XX/XXXX XXXX. XXXX XXXX # XXXX I am now seeing accounts on my report that were not reported previously by the original creditors, and which I have not authorized to be included in any new reporting. This raises concerns under FCRA XXXX, regarding permissible purpose and proper reporting. 
XXXX. XXXX # XXXX was not reporting in previous reports XXXX. XXXX loans # XXXX -c/o XX/XX/XXXX, c/o XX/XX/XXXX Certain accounts and/or inquiries that were previously investigated and removed from my credit file have now reappeared. These items were deleted and absent for a period of approximately XXXX to 90 days. According to FCRA XXXX ( a ) ( XXXX ) ( B ), if any previously deleted information is reinserted, you are required to notify me in writing within XXXX business days and provide the name of the source of the information. I received no such notification. 

XXXX. XXXX XXXX Bank # XXXX this was removed in XX/XX/XXXX and reappeared XX/XX/XXXX XXXX. XXXX  loans # XXXX -c/o XX/XX/XXXX, c/o XX/XX/XXXX Inquiries As previously noted, there are still inquiries on my file that were not made or approved by me. Remove these immediately XXXX. XXXX XXXX SERVICES XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Grounds for Deletion : XXXX. No Authorization to Publicly Display Personal Information Under the Gramm-Leach-Bliley Act ( XXXX U.S.C. XXXX ) and its Privacy Rule, financial institutions must ensure that personally identifiable financial information is not disclosed to third parties without explicit consent. I did not authorize any third party, including credit reporting agencies, to publicly display or disseminate my personal credit history, including late payments. This constitutes a violation of my financial privacy rights. 
XXXX. Violation of FCRA XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX ( a ) of the FCRA, negative information such as late payments XXXX not be reported beyond XXXX years from the date of the first delinquency. Any account that is past this time frame must be deleted. Additionally, FCRA XXXX ( a ) requires that any disputed item that can not be verified by the furnisher of the information must be promptly deleted from the consumers file. 
XXXX. No Legal Obligation or Contract with Credit Bureaus I have never entered into any contractual agreement with your agency granting permission to collect, store, report, or distribute my personal credit information. The unauthorized reporting and dissemination of my personal and financial data is being done without my informed consent, and therefore must cease immediately. 
XXXX. Violation of My Right to Privacy and Consumer Protections Under the Consumer Financial Protection Act ( XXXX U.S.C. XXXX ), consumers are protected from unfair, deceptive, or abusive acts or practices ( UDAAPs ). Reporting inaccurate or unauthorized information, especially without proper validation or consent, is considered an abusive practice and is subject to regulatory enforcement

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