Consumer complaint received 2025-04-23 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: MD

Complaint narrative:
XXXXAll credit bureaus and credit companies have violated the law on multiple occasions regarding the below information provided.  TransUnion, Equifax, and Experian continue to refuse to obey their legal obligations under the listed statutes below.  My right to privacy of financial/non public information to be withheld from my credit report does not require an investigation into any of the reporting credit companies.  My invoking of privacy rights and the fair credit reporting act are not bearing on whether the credit companies agree with my opting out, right to privacy, or my disputes.  I have provided the laws all each company on my credit report and all credit bureaus are obligated to adhere to and yet they continue to blatantly disregard the law.  They have continued to inadequately investigate my disputes which provided evidence of violations of the law.  They are all being reported to the Federal Trade Commission as well.  Read further for the exact violations all companies have committed.  XXXXNo investigation is necessary for all credit bureaus I've notified to remove all financial information from my credit report as explained below as the only information allowed on a credit report is criminal history, which I have none.  Invoking my right to privacy and my rights under the Fair Credit Reporting Act are sufficient enough to have the information removed that I have requested.  The credit companies continue to report information that is erroneous and that I have also invoked my right to privacy and provided written opt-out of reporting.  They all continue to break the law blatantlyXXXX XXXX XXXX has never provided written consent to any agency to disclose any record(s) that are contained in a system of records by any means of communication to any person or to another agency.  By continuing to disclose the financial information of XXXX XXXX to third-party agencies, all reporting agencies and credit companies are in clear violation of the Privacy Act of 1974 (5 U.S. Code 552a(b)(1).  XXXXPursuant to the Fair Credit Reporting Act (15 U.S. Code Section 1681)  Congressional findings and statement of purposeXXXXAccuracy and fairness of credit reportingXXXX4)  There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacyXXXXtReasonable Procedures\n-XXXXIt is the purpose of this subchapter to require that consumer reporting\nagencies adopt reasonable procedures for meeting the needs of commerceXXXXfor consumer credit, personnel, insurance, and other information in aXXXXmanner, which is fair and equitable to the consumer with regard to theXXXXconfidentiality, accuracy, relevancy, and proper utilization of suchXXXXinformation in accordance with the requirements of this subchapter.XXXX15 U.S. Code  1681a - Definitions; rules of constructionXXXX- The term consumer reporting agency means any person which, for monetaryXXXXfees, dues, or on a cooperative nonprofit basis, regularly engages in whole or inXXXXpart in the practice of assembling or evaluating consumer credit information or\nother information on consumers for the purpose of furnishing consumer reports to\nthird parties, and which uses any means or facility of interstate commerce for the\npurpose of preparing or furnishing consumer reportsXXXX  The term consumer means an individualXXXX  The term consumer report means any written, oral, or other communication ofXXXXany information by a consumer reporting agency bearing on a consumers credit\nworthiness, credit standing, credit capacity, character, general reputation, personal\ncharacteristics, or mode of livingXXXX (2) Exclusions\n        (A)(i) report containing information solely as to transactions orXXXX         experiences between the consumer and the person making the report.XXXXReporting transaction history is illegal Per U.S. Code 15 Section 1681a (2)XXXX15 U.S. Code  1681b - Permissible purposes of consumer reportsXXXX- Subject to subsection (c), any consumer reporting agency may furnish a consumer\nreport under the following circumstances and no other\n- (2) In accordance with the written instructions of the consumer toXXXXwhom it relates.XXXX- P.L 90-321 (82 Stat. 146) Law that states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency\n(Or a State or local government official authorized by the head of such an agency)\n\nNo written consent has been provided by the Principal, XXXX XXXX or their Assignee, RE XXXX XXXX XXXX US Trust (XXXX XXXX XXXX  Trust), to add anything to XXXX XXXX consumer report.  All past, present, and future transactions being reported violate the Fair Credit Reporting Act. XXXX15 U.S. Code  1681c - Requirements relating to information contained in consumerXXXXreportsXXXX- Except as authorized under subsection (b), no consumer reporting agency may\nmake any consumer report containing any of the following items of information:XXXX(5) Any other adverse item of information, other than records of\nconvictions of crimes which antedates the report by more than seven\nyearsXXXXNo adverse item besides the conviction of crimes should be on XXXX XXXX report.XXXXAny item that is a derogatory mark is not allowed into consumer reports as this is a violation of Federal Law.  All companies have been instructed to remove all derogatory marks from XXXX XXXX  credit report along with all transaction history (payment history, credit limit, account balances, etc.) within five business days of receipt of this notice. XXXX15 U.S. Code  1681n - Civil liability for willful noncompliancXXXX XXXX generaXXXX XXXX Any person who willfully fails to comply with any requirement imposed under\n       this subchapter with respect to any consumer is liable to that consumer in an\n       amount equal to the sum ofXXXX (A)any actual damages sustained by the consumer as a result of the failure\nor damages of not less than $XXXX  and not more than $XXXX; or\XXXX- (B)in the case of liability of a natural person for obtaining a consumer\XXXXreport under false pretenses or knowingly without a permissible purpose,XXXXactual damages sustained by the consumer as a result of the failure or\n$XXXX whichever is greater.XXXXMultiple complaints expressing violations of the Privacy Act of 1974 have already been submitted to the credit bureaus and credit card companies reporting financial information for XXXX XXXXs accounts.  A fee schedule has also been provided to the credit companies reporting financial information/transactions to credit bureaus in regards to XXXX XXXXs account by XXXX XXXX Assignee, RE XXXX XXXX  US Trust, as the blatant disregard to continue violating Federal Laws and allow credit lending agencies and credit bureaus to illegally report XXXX XXXX financial information has caused injuries to the heir beneficiary to the Principals estate held in RE XXXX XXXX XXXX US Trust. XXXX XXXX  also disputes all account balances and derogatory marks reported on their credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX (2 accounts), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX(2 accounts). As the above laws state, XXXX XXXX  has the right to privacy and has already expressed the right to keep their financial information private and not reported to nonaffiliated third parties.  However, the account balances and derogatory marks have been inaccurately reported and need to be removed from XXXX XXXX report."

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