Consumer complaint received 2024-03-23 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: TX

Complaint narrative:
Laws set forth by Congress in regards to my credit report currently contain multiple violations. Per the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise a crucial responsibility that includes fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and ongoing commitment to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' A furnisher of information to credit agencies- is a financial institution by definition under the title 15 USC 1681 section 604 of section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' A furnisher of information to credit agencies- the financial institution and the Consumer reporting agencies XXXX , XXXX , and Experian do not have my consent to furnish this information and they assuredly do not have my written consent. Any and all consent to XXXX, XXXX, and Experian, A furnisher of information to credit agencies- whether it was verbal, non-verbal, written, unwritten, implied, unimplied or otherwise are restricted to complete and accurate reporting. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' A furnisher of information to credit agencies- Never informed me of my right to exercise my nondisclosure option. Also, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' These accounts ( all account not reporting accurately and the same over the consumer report from the furnisher of information ) are adverse items they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' Plus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all Charge off debts are considered a certificate of indebtedness which is considered income. Per the IRS a charge off is defined as gross or ordinary income and should not be reported on a consumer report. I have not received a 1099-C in accordance with the charge off debt required by the IRS. Account number XXXX, XXXX, XXXX, XXXX, XXXXShould not be reporting. Per the Family Educational Rights and Privacy Act ( FERPA ) of 1974 states it Protects the privacy of student education records. The law applies to all schools that receive fund under an applicable program of the U.S Department of Education. This coincides with the Federal Law 20 U.S.C 1232g ; 34 CFR part 99. 34 CFR part 99 advises The purpose of this part is to set out requirements for the protection of privacy of parents and students under section 444 of the General Education Provisions Act, as amended. 34 CFR part 99.30 ( a ) ( b ) ( 1-3 ) The parent or eligible student shall provide a signed and dated written consent before an educational agency or institution discloses personally identifiable information from the student 's education records, except as provided in 99.31. The written consent must : ( 1 ) Specify the records that may be disclosed ; ( 2 ) State the purpose of the disclosure; and ( 3 ) Identify the party or class of parties to whom the disclosure may be made. I have not provided written consent to any educational institution or any others institutions. The responsibility pursuant to 15 U.S.C. section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. I have advised XXXX, XXXX, and Experian that my name, address, and other details reporting are incorrect. Number of Closed Accounts and Inquires is Incorrect. XXXX XXXX  account XXXX, XXXX, XXXX not showing same account number, limited different and dates not reporting the same information. XXXX account XXXX dates and comments differ. Uplife account XXXX not reporting. I have notified the reporting agency of the inaccurate information to no avail.

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 non-monetary relief