Consumer complaint received 2025-01-17 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: VA

Complaint narrative:
A to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' 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 continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 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. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 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. '' This account is an adverse item 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 reasonable cause to believe that the information is inaccurate. 15 U.S. Code 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. '' I am opting out of your reporting services.

This complaint addresses violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), 15 U.S.C. 6802, Privacy Act of 1974, and company-specific privacy policies and terms and conditions by the following furnishers of information and associated reporting agencies ( Experian, XXXX, and XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am demanding : 1. The immediate removal of unauthorized negative items, transaction history, and inquiries.

2. Restitution of {$1000.00} per violation per CRA for violations under 15 U.S.C. 1681n.

3. A FOIA request for all transaction records from the opening of the accounts to the current date.

4. A change in the terms of the security agreement to ensure all securities associated with my accounts are transferred directly into my accounts for personal use.

5. The revocation of authorization for transferring securities into digital assets.

Key Account Violations and Demands XXXX. XXXX XXXX XXXX XXXX ( XXXX ) Issue : XXXX reports three late payments, a past-due balance of {$1400.00}, and transaction history to CRAs without my explicit consent.

Violations and Applicable Laws : 15 U.S.C. 1681b : CRAs are third-party entities, and reporting requires explicit written consent.

15 U.S.C. 6802 : XXXX failed to provide an opt-out mechanism for sharing nonpublic personal information.

15 U.S.C. 1681c : Reporting transaction history is illegal unless authorized.

Privacy Act of 1974 ( 5 U.S.C. 552a ) : Unauthorized disclosure of personal financial information is prohibited.

Violation of Privacy Policy : NFCUs terms guarantee control over personal financial data, which has been violated.

Demands : Remove all adverse items and transaction history.

Provide written proof of authorization, including wet ink signatures.

Transfer all securities into my accounts for personal use.

Pay {$1000.00} per violation per CRA. 

XXXX. XXXX XXXX  Issue : XXXX reports a charge-off of {$440.00} and transaction history without my consent.

Violations and Applicable Laws : 15 U.S.C. 1681c ( a ) ( 5 ) : Charge-offs must not persist beyond seven years.

15 U.S.C. 1681b : Reporting to CRAs requires written instructions.

16 CFR 433.1-3 : A charge-off represents income or debt forgiveness and is not reportable.

15 U.S.C. 6802 : XXXX failed to provide opt-out mechanisms. 
Violation of Privacy Policy : Discovers terms ensure nonpublic personal information is only shared with consent. 
Demands : Remove all negative items and transaction history. 
Provide written proof of compliance with privacy laws. 
Transfer all securities into my accounts for personal use. 
Pay {$1000.00} per violation per CRA. 

XXXX. XXXX XXXX ( XXXX ) Issue : XXXX reports a charge-off with a balance of {$11000.00} and {$3100.00} past due without my consent, including transaction history.

Violations and Applicable Laws : 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : CRAs require explicit written authorization.

16 CFR 433.1-3 : Reporting a charge-off violates consumer protection laws.

15 U.S.C. 1681b : Reporting without written consent violates the FCRA.

15 U.S.C. 6802 : XXXX failed to provide opt-out mechanisms. 
Violation of Privacy Policy : AMEXs terms prohibit unauthorized sharing of consumer data. 
Demands : Remove all adverse items and transaction history. 
Provide written authorization documentation. 
Revoke authorization for transferring securities into digital assets. 
Pay {$1000.00} per violation per CRA. 

XXXX. XXXX  XXXX Issue : Reports a charge-off with {$9000.00} and transaction history to CRAs without my consent.

Violations and Applicable Laws : 15 U.S.C. 1681b : Reporting requires explicit written authorization.

15 U.S.C. 6802 : XXXX XXXX failed to provide opt-out mechanisms.

17 CFR 424 : Reporting charge-offs as financial liability violates securities regulations.

16 CFR 433.1-3 : Reporting charge-offs as income or liabilities is unlawful.

Violation of Privacy Policy : XXXX XXXX  privacy policy promises control over shared information. 
Demands : Remove all negative items and transaction history. 
Provide proof of compliance with privacy laws. 
Transfer securities into my accounts for personal use. 
Pay {$1000.00} per violation per CRA. 

XXXX. XXXX XXXX XXXX XXXX Issue : Reports one late payment, 85 % credit utilization, and transaction history without my consent.

Violations and Applicable Laws : 15 U.S.C. 1681e ( b ) : CRAs failed to ensure maximum accuracy in reporting.

15 U.S.C. 1681b : Reporting requires written consumer authorization.

Privacy Act of 1974 : Disclosure of my financial information violates privacy protections.

15 U.S.C. 6802 : XXXX failed to provide opt-out mechanisms for sharing information. 
Violation of Privacy Policy : USAAs terms promise privacy and control over shared information. 
Demands : Remove all adverse and inaccurate items. 
Provide proof of written consent. 
Revoke authorization for transferring securities into digital assets. 
Pay {$1000.00} per violation per CRA. 

XXXX. XXXX, XXXX. 

Issue : Reports a charge-off with {$440.00} and transaction history to CRAs without my consent.

Violations and Applicable Laws : 15 U.S.C. 1681b : Reporting to CRAs requires written consumer authorization.

15 U.S.C. 6802 : XXXX failed to provide opt-out mechanisms for sharing my personal data.

16 CFR 433.1-3 : Reporting charge-offs as income or liabilities is unlawful.

Violation of Privacy Policy : Affirms terms prohibit sharing consumer data without consent.

Demands : Remove the charge-off and all transaction history.

Provide written proof of authorization.

Pay {$1000.00} per violation per CRA. 

XXXX. XXXX  XXXX XXXX XXXX : Reports adverse items and transaction history on a closed account to CRAs without my consent.

Violations and Applicable Laws : 15 U.S.C. 1681b : Reporting requires explicit written authorization.

15 U.S.C. 6802 : Bank XXXX XXXX failed to provide opt-out options. 
XXXX CFR XXXX : XXXX  XXXX XXXX did not provide a privacy notice.

Privacy Act of 1974 : Disclosure of transaction history violates privacy protections. 
Violation of Privacy Policy : XXXX  XXXX XXXX terms prohibit unauthorized sharing of nonpublic information. 
Demands : Remove all adverse items and transaction history. 
Provide proof of written consent. 
Transfer all securities into my accounts for personal use.

Pay {$1000.00} per violation per CRA.

Demands for FOIA and Security Agreement Terms 1. FOIA Request : Provide a detailed list of all transactions on my accounts from the opening date to the present, including any third-party transfers or data sharing.

2. Change in Security Agreement : Transfer all securities associated with my accounts directly into my accounts for personal use. 
Revoke any authorization to transfer securities into digital assets.

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