Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below I've previously submitted, along with XXXX, XXXX, Experian, XXXX XXXX, XXXX XXXX XXXX, etc. has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Various inaccuracies in all, especially when the reports are compared. From scores, to dates, to amounts, to payments, to limits, names and etc.

Violations of the Privacy Act 1974. Also the law says that it is illegal to report transaction history.

15 USC ( XXXX ) Right to opt out of anything on my credit report, as I have, and monthly opt out docs are supposed to be sent out, which I have never recieved. 

Banking terms and agreements clearly states that they do not provide consumer transaction info to non-affiliates and third-parties. XXXX, XXXX, Experian, XXXX XXXX, XXXX XXXX XXXX  are all third-party affiliate companies. 

These are violations under their own terms and conditions, and are subject to $ XXXX fine per time reported, per company, per violation, from the inception of each account. I require to be compensated in the maximum monetary relief for each violation, as well as humiliation, pain and suffering, mental anguish, and my time, from every company involved in these practices. 

15 USC XXXX Civil Liability- each violation is {$1000.00} per individual action, each action, or word. 

*Official NOTICE was given* Per FCRA as a federally protected consumer, I have already and am now opting out of any verbal, nonverbal, written and unwritten authorization, that I the consumer may have given to report anything negative or adverse on my consumer report, per XXXX XXXX XXXX XXXX immediately and indefinitely. 

Anything reported as a charge off is now reported as income, or certificate of indebtedness, by IRS publications and findings and can not be reported on a credit report, and must be removed. 

Also please provide me with all documentation used to prove that I have open accounts with all institutions, banks, companies, etc. that are listed as Inquiries on my reports Also see : 16 CFR 433.1, 16 CFR 433.2, 16 CFR 433.3 15 USC 1692d ( 3 ), 15 USC 1692e, 15 USC92g, 15 USC 1692h, 15 USC 1692j, 15 USC 6802, 15 USC 6802 ( 1 ) ( a ) ( b ) ( c )

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