Consumer complaint received 2024-01-18 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX These charge offs are considered a certificate of indebtedness and is considered income therefor it must be removed. This is also considered income and must be removed from my report : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXXXXXX 4. XXXX XXXX XXXX XXXX XXXX As per the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 section 602 ( a ), it emphasizes the importance of ensuring that consumer reporting agencies, such as XXXX, XXXX and Experian, carry out their significant responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. As a consumer, I have the right to safeguard my private information, as reinforced by 15 USC 6801, which states that financial institutions, including furnishers of information to credit agencies, are obligated to respect the privacy and protect the confidentiality of customers ' nonpublic personal information.

Under 15 USC 1681 section 604 ( a ) ( 2 ), it is specified that a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the concerned consumer. I want to highlight that both the financial institution ( furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX XXXX, XXXX and Experian, lack my consent to furnish this information, and they certainly do not have my written consent. I hereby revoke any and all forms of consent, be it verbal, non-verbal, written, implied, or otherwise, given to XXXX XXXX, XXXX, Experian, and the furnisher of information to credit agencies. 

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an 15 U.S. Code 1681a - Definitions ; rules of construction. The term 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. The term consumer means an individual. The term consumer report means 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 ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal As outlined in 12 CFR 1016.7, I am exercising my right to opt out of the reporting services provided by XXXX, Experian, and the furnisher of information to credit agencies at any time. 

Finally, Privacy Act of 1974, as amended, 5 U.S.C. 552a ( b ) Conditions of Disclosure No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be : ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of Title 31. This entry violates the Privacy Act of 1974 and must be removed.

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