Consumer complaint received 2024-02-22 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: IL

Complaint narrative:
XXXX, Experian, XXXX, XXXX XXXX  along with a list of other creditors are falsely smearing my name, as a federally protected consumer with deceiving information about me : and am putting them on notice. I have contacted each company in writing requesting full accounting with accuracy and fairness in the reporting. The congressional finding of 15 U.S. Code 1681 ( a ) consumer reporting agencies exercise grave responsibility of fairness, impartiality, and respect for the consumer 's right to privacy. XXXX XXXX failed me as a consumer when they could not produce a ledger of accounting for which they paid for my so-called debt or any contract for me to verify it. There is a serious need to protect my rights from being infringed on : information about me that they can not verify to me is theft of my identity. 12 CFR 1022.2 Using information of another without authority or written consent is considered identity theft. 15 U.S. Code 1681c-2 consumer reporting agencies shall block reporting of any information in the file of a consumer that they identify as a result of an identity theft ( 1 ) appropriate proof ( 2 ) copy of identity theft report ( see attached file ) ( 3 ) identification of information ( 4 ) consumer statement from consumer. 15 U.S. Code 1681 ( b ) permissible purposes of consumer reports by written instruction of the consumers. My written consent is needed and has not been authorized to these reporting agencies who are smearing my identity. 15 U.S. Code 1681e compliance procedure ( b ) Accuracy of the report, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual to whom the report relates. By violating section 1681b for permissible purposes and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors, information relating to a consumer to any consumer reporting agency if The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and the information is, in fact, inaccurate and they have been notified and now they must immediately stop reporting the information until they can prove it as valid. 5 U.S. Code 552a ( b ) any record by means including collection or grouping of information about me including but not limited to transactions, criminal ( identity theft ) employment history that contain my name or the identifying number, symbol, or other identifying particulars. assigned to me including my consumer report. ( b ) ( 12 ) Condition 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 under 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 by section 3711 ( e ) of title 31. Again, they need prior written instruction of the individual to whom it relates. They have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974. 15 U.S Code 6802 Obligations concerning disclosures of personal information, any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 15 U.S. Code 6802 ( b ) ( C ) opt out the consumer is given an explanation to exercise their lawful right in a nondisclosure option, they must give me an opt-out notice for anything that is to be added to my consumer report, especially anything relating to identifying theft and false information.

Enforcement under 15 U.S. Code 6805 subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission concerning financial institutions and other persons subject to their jurisdiction under applicable law, I reserve the right to opt out of any report item. Companies must promptly comply upon receiving my notice. I've issued a directive to cease reporting, as per relevant laws. Any perceived consent is nullified. As a federally protected consumer, I assert my privacy rights. Any inaccuracies below must be immediately rectified.

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