Consumer complaint received 2024-12-29 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: CA

Complaint narrative:
My name is XXXX. I got my credit report on a website and was able to see that my information is being reported by companies like XXXX, XXXX, Experian and with many inaccuracies that I never consented to or have reported that info myself nor did they ever contact me to ask for my consent, whether it be the personal information ( MY NAME ) that is incorrect on my XXXX report : MY CORRECT NAME : XXXX XXXX THE INCORRECT NAMES INCLUDED IN XXXX REPORT, ( included along with the attachments provided ) : XXXX OR XXXX XXXX My consent was not asked for by these companies when it comes to all inquiries that are listed on my XXXX XXXX credit report, the inquiries are all Unauthorized, I need these removed immediately. 

Lastly, my consent was not asked for by Experian for the account listed as negative Therefore, this is an Unauthorized by me, XXXX XXXX. ( company of account : XXXX XXXX account number : XXXX ) Under 15 USC 1666B , this is a billing error, always paid as agreed on time this is an error, this account is in violation. 

Not only does Experians actions presently affect how lenders view my ability to borrow but it is completely violating me, my rights and the LAWS/ACTS/CODES that stand to protect me, because these companies have FALSE information they are using in my name I never consented for them to report nor was I, XXXX XXXX, asked once again. 

Misleading false reporting, negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, section 602a, it is stated that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX and Experian are consumer reporting agencies, and as a consumer, I have the right to ensure that my private information is not disclosed. This right is supported by 15 USC 6801, which requires financial institutions to protect the privacy and confidentiality of their customers ' nonpublic personal information. Since these agencies are considered " furnishers of information '' under this law, they are obligated to follow these privacy standards.

Furthermore, according to 15 USC 1681, section 604a ( 2 ), a consumer reporting agency can only share a consumer report under specific circumstances, and one of those conditions is with the written consent of the consumer. XXXX, Experian, and any financial institutions providing information to them do not have my permission, either written or verbal, to share my information. Any consent, whether implied or expressed, is hereby revoked. 
Additionally, 15 USC 6802 ( b ) ( c ) mandates that a financial institution can not disclose nonpublic personal information to a third party without informing the consumer about their right to opt out. Neither XXXX nor Experian has provided me with this necessary information. According to 15 USC 1681c ( a ) ( 5 ), consumer reporting agencies are prohibited from including certain adverse information that is older than seven years, including any account or item that would negatively affect my credit, unless specifically authorized by law. 
Moreover, 15 U.S. Code 1681s-2 ( a ) ( 1 ) stipulates that no one should report inaccurate information to consumer reporting agencies, and XXXX and Experian must ensure they follow reasonable procedures to prevent such violations. Lastly, 12 CFR 1016.7 grants consumers the right to opt out of reporting services at any time, and I am formally exercising that right.

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