Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. According to my recent credit report, several errors are affecting my credit score. I have reviewed my credit report carefully and found the following inaccuracies in my personal information : XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX Texas XXXX Phone numbers and birthdays must be removed I didn't authorize a reporting of this personal info! 

Updated Information how consumer reports should read! 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX Tx XXXX Employment : Clear Secure You sent me a letter saying my info was accurate but said my address was invalid That was a lie this is my second letter being sent in the past 90 days.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguard furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to ensure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or incomplete information on my credit report. I am requesting that these inaccuracies be removed from my credit report as soon as possible. I am attaching a copy of my credit report with the errors highlighted for your review.

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title X, XXXX Stat. XXXX ( XXXX ) XXXX XXXX XXXX ( FCRA ) XXXX XXXX. XXXX ( FCRA ) With these laws used to conduct my account please remove the following.. 
XXXX XXXX Code XXXX - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( XXXX ) any actual damage sustained by such person as a result of such failure ; ( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and In addition, I would like to request that you provide me with a free updated copy of my credit report once the errors have been corrected, as per the FCRA. I also request that you notify all parties that have received my credit report in the last six months of the errors and the corrections made.

I appreciate your prompt attention to this matter and thank you in advance for your cooperation. Please contact me at the address or phone number listed below if you require any further information.

In conclusion, I also have the right to opt- out of having my information according to the consumer law as defined by congress states.

15 U.S. Code 6802b - Obligations with respect to disclosures of personal information ) ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

This means that you the financial institution may not disclose any information through any affiliate.

The definition of Affiliate is stated to be by the knowledge of congress as The term affiliate means any company that controls, is controlled by or is under common control with another company.

The definition of a nonaffiliated Third Party is stated to be by the knowledge of congress as The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.

( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( So by congress law and knowledge you are reporting inaccurate information that is disclosed between the agreement and account we have as a consumer and financial institution. Because in bold I never receive those disclosers on how this can not be reported by MY CHOICE. ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Which I was not given when I accepted the student Loan if so I would have not had the info reporting to my consumer report.

I was never given any form to opt out nor any emails, mail, or marketing saying I could.

I never received these two documents : ( Truth & Lending Discloser, nor the Bailed Act First Discloser ) this account information by definition must be removed or updated in the next ten days of receiving this letter in express mail. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx 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