Consumer complaint received 2024-06-07 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: AL

Complaint narrative:
Per the FCRA as a federally protected consumer, I am now opting out of all authorization, I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. Per the Privacy Act of 1974 XXXX, XXXX, and Experian has my private information and gives it out without my permission. As well as reporting late payments, and public records which is a violation of the Privacy Act of 1974. In accordance with the Fair Credit Reporting Act ( XXXX, Experian, and XXXX ) has violated my rights. 15 USC 1681 Section602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency ( XXXX ) can not furnish an account without my written instruction or permission. 15 USC 1666B, Timing of payments. Also, as a consumer per 15 US code 1681n : Civil liability for willful noncompliance, In 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 consumer because of the failure or {$1000.00} whichever is greater. I have2 derogatory marks and 4 inquiries on XXXX TBom/Milestone XX/XX/XXXX, XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. All of these inquiries some are the same but have different open dates that is a violation of inappropriate and illegal reporting. XXXX XXXX XXXX XXXX filed XXXX XXXX by XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX filed XX/XX/XXXX who have violated my rights that XXXX, XXXX, and Experian has reported on my credit report as hard inquiry 's 1 hard inquiry by i did not consent nor authorize XXXX, XXXX or Experian, or this company to run my credit or use my social security number. I would like to be reimbursed {$1000.00} per violation. The inquirys The Fraud accounts are listed above as well as listed on my FTC Report that I have provided with this cover letter, along with my driver 's license showing my current address and the only address that should be listed on my credit report. Please remove all addresses from my credit report except for the address located on my Driver 's License. There should be no late payments reporting to any of my accounts, per 15 U.S.Code 1681c- Requirements relating to information contained in company reports. No adverse item besides the conviction or crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation. 12 CFR 1022.3 Anything pertaining to the items listed above added to my report without my written consent could be considered Identity Theft. 15 U.S. Code 1681c-2 Block of information resulting from identity theft, not later than 4 business days after the date of receipt by such agency, 1 ). Appropriate proof of the identity of the consumer 2 ). A copy of an identity theft report 3 ). The identification of such information by the consumer. 
4 ). A statement by the consumer that the information, is not information relating to any transaction by the consumer and all negative reporting and collection accounts listed below should be blocked and removed immediately upon receipt. 
The Thank you.

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