Consumer complaint received 2024-02-15 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: FL

Complaint narrative:
I XXXX XXXX, the Consumer, of XXXX XXXX XXXX, IN the city of XXXX, in the STATE of FLORIDA, MAKE OATH AND SAY THAT : 1. XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX never disclosed to I XXXX XXXX the consumer that my personal information was going to be shared with a 3rd party by the name of Experian.This is a form of identity theft and I the consumer XXXX XXXX Never gave permission to XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX to share my information to experian. 
2. Experian is reporting inaccurate accounts after fraudulent investigation violating the Fair Credit Reporting Act .The accounts are XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. 
3.XXXX from Experian notified me to give Experian a little more time to correct and DELETE the fraudulent accounts listed on my consumer report. 
4. As 15 U.SC 6802 ( b ) Opt out ( 1 ) In general states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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 ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

5 .As stated in 15 U.S CODE 1681i procedure in case of disputed accuracy ( 6 ) notice of result of reinvestigation ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 
( Resources XXXX XXXX XXXXXXXX ) 6 .As The term INVESTIGATE defines in 15 U.S Code 1681a section ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( Resources XXXX XXXX XXXX ) 7. Experian made me the consumer XXXX XXXX feel disregarded and voiceless in this investigation. Damaging my reputation allowing inaccurate accounts to be reported.I the consumer XXXX XXXX is now dealing with emotional damage. 

8.For the violations that have been found during this investigation as stated in 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 ( 1 ) ( 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 ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( Resources XXXX XXXX  XXXX )

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