Consumer complaint received 2024-02-21 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: OH

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 which states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the right to privacy. XXXX, Experian and, XXXX are the consumer reporting agencies and I am the consumer. I have a right t make sure my private information is not shared which is also backed by 15 USC 6801 which states " It is the policy of Congress that each financial institution has affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information. '' XXXX MONEY, DEPT OF EDU ( XXXX XXXX ), FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the financial institutions and the credit reporting agencies XXXX, Experian, and XXXX do Not have my consent, or written consent to furnish this information. Any and all consent to XXXX XXXX, DEPT OF EDU ( XXXX XXXX ), XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 6802 ( b ) ( c ) states that a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer can exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option. FURTHERMORE 15 USC 1681C ( a ) ( 5 ) states " 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. '' These accounts are adverse items which they are reporting again without my permission which is against the law!

15 USC 1681s2 ( A ) ( 1 ) states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ''.

15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of the section 1681e of this title and to limit the furnishings of consumer reports to the purposes listed under section 1681 b of this title. '' These companies are not maintaining reasonable procedures. Also 12 CFR 1016.7 states " a consumer may exercise the right to opt out AT ANY TIME. I am opting out of their reporting services and have notified them all by mail with letters to tell them I am exercising my right after trying numerous times to resolve these issues. However the reporting, harassing phone calls, emails, text correspondence continue. One company has even attempted to pull money from a closed account!

By violating section 1681 b for permissible purpose and 1681c for information contained in consumer reports, they are violating compliance procedures under title 15 USC 1681n- CIVIL LIABILITY for willful noncompliance and 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 t the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than { XXXX } and not more than { XXXX } ; 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 { XXXX }, whichever is greater ; if you can prove they willfully violated the act, you are entitled to at least XXXX per violation, plus any damages you have sustained as a result of failure to follow the law. 

I have experienced emotional distress not being able to obtain housing, lines of credit because of these inaccurate reporting. I am attaching letters I sent to XXXX XXXX, XXXX, DEPT OF EDU ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX 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