Consumer complaint received 2024-09-06 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: MO

Complaint narrative:
Please remove all listed accounts from my credit report. In accordance with the Fair Credit Reporting act 15usc 168 section 602 states there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness and partiality and a respect for consumers rights to privacy. XXXX, Experian, and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isnt shared, which is backed by 15 UC6801 which states it is the policy of the Congress that each financial institution has enough a formative and continuing obligation to respect the privacy of his consumers and to protect the security and confidentiality of those customers non-public personnel information. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX account XXXX, XXXX XXXX  account number XXXX ( which I received my 1099C ) XXXX  account number XXXX, XXXX account XXXX. I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( AN ( 1 ) 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. XXXX, Experian and XXXX whether be verbal nonverbal, written, implied or otherwise is revoked. 15 USC states that a financial institution may not disclose non-public personal information to a non-affiliate third-party unless the consumer is given an explanation of how the consumer can exercise that Nondisclosure option. Experian, XXXX, XXXX never informed me of my right to exercise my nondisclosure option. Also please remove the Following Non-Mailing Addresses listed on the reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Law Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. XXXX, XXXX, and Experian are not maintaining reasonable procedures 15 US code 1681 E. states every consumer reporting agency shall maintain reasonable procedures designed to avoid voilations of section 1681C of this title into limit the furnishing of consumer reports to the purposes listed under section 1681B of this title. 12 CFR 1016.7 also states that a consumer may exercise the right to opt out at any time. I am opting out of your reporting services.. If your company fails to comply, you will be required to appear in a court venue.

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