Consumer complaint received 2024-02-16 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 am writing to dispute the charge-offs that has been reported on my consumer credit report by Experian. 

According to the provisions outlined in 15 USC 1681 ( 2 ) ( a ) ( i ) and 15 USC 1681 ( a ) ( 5 ) ( b ), it is prohibited to report any income on consumer credit reports, and any reinsertion of previously deleted information requires written notice to the consumer within five days.

This encompasses the reporting of transactions or experiences, as income is intrinsically linked to transactions and experiences. Therefore, the reported charge-off violates this statute by including income-related information on my credit report.

As permitted by the Fair Credit Reporting Act ( FCRA ), specifically under both 15 USC 1681b and 15 USC 1681c2. This dispute pertains to the information reported by your agency under permissible purposes outlined in 15 USC 1681b, as well as my request for blocking information related to identity theft under 15 USC 1681c2. 
The accounts - XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX ( Account number - XXXX ) XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX ( Account number - XXXX ) It is important to emphasize that my right to privacy has been infringed, as I did not provide consent for my information to be shared with third parties. Furthermore, the information in question was previously removed and blocked due to identity theft but has recently been reinserted, thus violating 15 USC 1681 ( a ) ( 5 ) ( b ).

I want to stress that I neither received written notice of this reinsertion within five days, nor did I provide consent for this information to be reported by this company. It is essential to note that I have never signed an SSA-89 form or given any written consent for the reinsertion of this information.

According to 15 U.S. Code 1681, the company in question is prohibited from solely relying on third-party information to determine accuracy.

This stipulation underscores the importance of ensuring the accuracy of information reported by there agency.

Under 15 USC 1681b, consumer reporting agencies must ensure that the information they report is used for permissible purposes only. I am disputing the accuracy of this information, as it has a significant impact on my creditworthiness.

The reinsertion of previously blocked information without my consent has resulted in an unjust impact on my credit report and financial standing.

In light of the violations mentioned above, I kindly request that your agency takes immediate action, that the accounts in question be removed, blocked, and cease reporting to my credit report.

This is a matter of serious concern regarding the inaccurate reporting of late payments and negative items on my credit report, which appears to be in violation of federal laws including 15 USC 1666b, 15 USC 1681a, and 15 USC 1681i.

Please note I have done everything correctly. I have given them four FTC reports, 4 complaints with the CFPB. Also Ive been in contact with this company through phone calls & certified mail for over 60 days.

All I get is automated responses. This company is seriously violation of my right to privacy.

And no!!

My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of the fact by me, relevant to the request to block the identified transactions. The identified transactions are not related to any transactions by me as the consumer

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