Consumer complaint received 2024-03-12 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: DE

Complaint narrative:
XXXX, XXXX, and Experian are all violating my consumer rights and reporting nonpublic information without my consent which goes against the terms and conditions reporting banks have provided me. All three entities are third party affiliates and no one can approve the information reported except for the consumer. According to the FCRA 15 USC 1681 section 602 explains that consumer reporting agencies have a responsibility to report fair and accurate information with respect to the consumers RIGHT TO PRIVACY. I also have the right to opt out of reporting which is supposed to be provided to me and has never once been provided in the entire credit profile history and age. According to 15 USC 1681b permissible purpose must be presented and under no circumstances can any nonpublic information be reported without the order of the court or the written consent of the consumer therefore leading to inaccuracies on accounts that are considered certificates of indebtedness which is considered income by the IRS. It is illegal to report income in my consumer reports. These entities are also reporting names I do no go by, and reporting addresses that are non mailable. It is illegal to report transaction history. This is also a Violation of the Privacy Act of 1974. XXXX, XXXX, and Experian can not demonstrate, display, provide, or gather any evidence that I have given any consent to reporting nor can that show or prove they have given me an opportunity to opt out of reporting if I choose to do so. According to 16 CFR 313 XXXX, XXXX, and Experian are required to provide me with the necessary documentation to opt out. 15 USC 6802 states financial institutions may not, directly or through any affiliate, disclose to a non affiliated third party any non public personal information, unless given proper notice to the consumer as well as giving the consumer an option to opt out. Under 15 USC 6805 the Consumer Financial Protection Bureau has the fiduciary duty, obligation, and oath to enforce these regulations. Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal, and non verbal permission in accord with 15 USC 6802. At this time I want the follow non public information and accounts removed from all reporting agencies. ( XXXX XXXX ) : account # ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ), XXXX all accounts listed are in violation of 15 USC 1681 for inaccurate reporting, and 15 USC 6805. Accounts listed as charged off all have a certificate of indebtedness and considered taxable income by the IRS and a 1099c or 1099a has been filed. I am opting out of reporting on the accounts listed above. All inquiries listed below are in violation of 15 USC 1681 for inaccurate reporting, 15 USC 6805, and 16 CFR part 313 ( Experian ) : account # ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ), all accounts listed are in violation of 15 USC 1681 for inaccurate reporting, and 15 USC 6805. Accounts listed as charged off all have a certificate of indebtedness and considered taxable income by the IRS and a 1099c or 1099a has been filed. I am opting out of reporting on accounts listed All inquiries listed below are in violation of 15 USC 1681 for inaccurate reporting, 15 USC 6805, and 16 CFR part 313 ( XXXX ) : account # ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ), XXXX, XXXX, XXXX, XXXX, all accounts listed are in violation of 15 USC 1681 for inaccurate reporting, and 15 USC 6805. Accounts listed as charged off all have a certificate of indebtedness and considered taxable income by the IRS and a 1099c or 1099a has been filed. I am opting out of reporting on the accounts listed

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 non-monetary relief