Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
on XX/XX/XXXX I drafted and notarized letter to each credit agency that was reporting inaccurate information on my credit report. I indicated in XXXX of XXXX, I opted out Per the Fair Credit Reporting Act ( FCRA ), as a federally protected consumer, I am now opting out any and all authorizations I, the consumer may have given you whether written, unwritten, verbal and non verbal, per 15 USC 6802 effective immediately and indefinitely. referencing THE PRIVACY ACT OF 1974. I acknowledge i have a right to protect my private information and maintain privacy with only those agencies who need to know as I authorize. Per 15 U.S. Code 1681 ( a ) - transactions between me and creditors require exclusion from my credit report '' otherwise " consumer report meaning any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; and Per 15 U.S. Code 1681 ( 4 ) my private information is being shared with third parties and that is in direct violation of my private information being shared with unauthorized parties. They have not obtained written consent from me to authorize transactional information displayed on my consumer credit report.

consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.

IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. Adverse information such as XX/XX/XXXX days late on any report should be removed, per definition transaction account history, as applied to financial accounts, is a running record of all of the financial transactions logged in a bank, credit card, or investment statement. In a bank or credit card statement, the account history records all credits and debits. 
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. An elaborate mechanism has been developed for investigating and valuating credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am requesting the transaction history for each company be removed immediately and indefinitely per 15 USC 1681 and the records reflect paid as agreed.

( 15 USC 6802 ) - Obligations with respect to disclosures of personal information a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information. 

In XX/XX/XXXX, I requested proof of these alleged payments being late. requested if company was unable to provide or lacking proof of this payment being late, UPDATE payment history to paid as agreed never late. Presently as of XX/XX/XXXX, I have not received any company accounting credit/debit transactions that validate reported debts as late. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Information in my consumer credit report needs to be verified as accurate with proof submitted to me from the accounting department of each agency or each company needs to be updated to paid as agreed and cleaned on the consumer credit report for all agencies : XXXX, XXXX, and XXXX to start. I do not wish to pursue this issue at the local level any longer so if updates are not made, I will seek punitive actions for violations stated above with the appropriate agencies.

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