Consumer complaint received 2024-05-02 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: NV

Complaint narrative:
There is a need that consumer reporting agencies exercise responsibilities with fairness, impartiality, and respect for the consumer right to privacy. 15 USC Code 1681B Permissible purpose of consumer rights. In addition consumer reporting agencies may only furnish under certain conditions. Number one is written instructions from consumer to whom it relates. Number two order of a court such as an order, subpoena issues with proceeding to a Federal grand jury. So far my rights that were violated are 15 USC 1681 ( a ) ( 4 ) upon Consumer right to privacy 14 USC1681b ( a ) ( 2 ) No permissible purpose/No written instructions The Fair Credit Reporting Act ( FCRA ) regulates how consumer credit information is collected, reported, and used by credit reporting agencies ( CRAs ) and creditors. In relation to bankruptcy, the FCRA includes provisions to ensure accuracy, fairness, and privacy in the reporting of bankruptcy information on credit reports.

One key aspect of the FCRA related to bankruptcy is the requirement for CRAs to obtain permissible purpose before including bankruptcy information on a consumers credit report. Permissible purpose generally refers to a valid reason for accessing a consumers credit report, such as in connection with a credit application, account review, or collection activity. 

Under the FCRA, creditors and other entities that report information to CRAs must have permissible purpose to furnish bankruptcy information. Additionally, CRAs must have permissible purpose to include bankruptcy information on a consumers credit report. This means that bankruptcy information can not be reported or included on a credit report without a valid reason or authorization. 

If bankruptcy information appears on a consumers credit report without proper authorization or permissible purpose, it may constitute a violation of the FCRA. Consumers have the right to dispute inaccurate or unauthorized information on their credit reports under the FCRA, and CRAs are required to investigate and correct any inaccuracies within a reasonable timeframe.

In summary, the FCRA prohibits the reporting of bankruptcy information on a consumers credit report without proper authorization or permissible purpose. Violations of these requirements may result in penalties for the entities involved and potential remedies for affected consumers.

In addition I have provided a copy of my letter from Bankruptcy Court stating they dont report to consumer agencies. 

In addition consumer reporting always state account Verified. How was account verified under investigative consumer report included personal interviews with neighbors friends, or associates. Although XXXX keeps case file documents of all district, bankruptcy, and appellate courts. Consumer agencies, and secondary agencies would have to Fish for information on consumer. Once again that would be a violation of Privacy 15 USC 1681 ( a ) ( 4 ). 
We are at a total of XXXX XXXX dollars for my violations. I will due additional pages and refer to this file

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