Consumer complaint received 2024-03-25 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: NC

Complaint narrative:
I have submitted a complaint about you to the Consumer Finance Protection Bureau ( CFPB ), and as of today, my credit profile has not been updated. But instead, you are asking me to submit proof of identity, and still mailing out my credit reports to me.

As per my research, and communication with the FTC, you violated the Fair Credit Reporting ACT15 USC 1681 section 602, which states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. As you know, you are listed with the IRS as a consumer reporting agency. So, XXXX, Experian, and XXXX are consumer reporting agencies and are in violation.

As you know as a consumer. I have the right to make sure that 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. You have had several class action suits against your company because of this, and I would like you to implement 15 USC 6801 on my credit report. I would also like to let you know that a financial institution by definition under that title. 15 USC 1681 section 604 in 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. By the written instructions of the consumer to whom it relates.

Financial institutions and consumer reporting agencies do not have my consent to furnish this information and they do not have my written consent. This applies to Experian, XXXX, and XXXX, whether it be verbal, nonverbal, written, implied, or otherwise, it is revoked. 15USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option ''. 15 USC1681 states " Except as authorized under subsections ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ''. All of the mentioned credit agencies are not maintaining reasonable procedures and violated 12 CFR 1016.7 US Code 1681s -2 15 US Code 1681, and all of the mentioned. Please correct my credit reports and only report the information that I agree to. I can be contacted at XXXX or via email at XXXX to discuss my credit report. Also, you should pay me {$1000.00} per item that you have listed on my credit report, without my permission ; and stop reporting my private credit information to others without my permission. I will report your company for fraud if you do not respect my request. I have also included my ID in several copies of letters that I wrote to the credit bureaus, and the items below have not been removed. They continue to write me and request copies of my paystubs and bills, which they are not privy to.

I have sent the information that they need. I am asking the credit bureaus to remove the following from my report. 
XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Addresses to be removed : 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 Telephone numbers : XXXX XXXX XXXX XXXX XXXX

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