Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
EXPERIAN, XXXX, and XXXX, XXXX XXXX, and XXXX XXXX XXXX is a third-party company not only did the banks violate but also the above reporting agencies did as well. 
THESE COMPANY ARE NOT REPORTING PROPERLY AND ARE DOING HARM TO MY CREDIT WORTHNESS AND ABLITY TO OBTAIN CREDIT. AS PER 15 U S CODE 1681C-1 INACCURRATE REPORTING.PART 1022 FCR REGULATION THIS IS A FORM OF SECURTIES FRUAD AS PER 15 USC 6802 and EVERYTHING UNDER THUR 6805, as a federally protected consumer I am NOW opting out of any all authorization as a consumer I previously given you written. unwritten, verbally and non-verbally, per 15 USC 6802 OF THE COMPANIES LISTED BELOW XXXX XXXX XXXX {$510.00} LAST REPORTED XX/XX/XXXX, OPEN DATE XX/XX/XXXX ( JXXXX XXXX XXXX XXXX ) = XXXX ( PAYMENT HISTORY ) XXXX XXXXXXXX XXXX  {$380.00} LAST REPORTED XX/XX/XXXX, OPEN DATE XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) = XXXX ( PAYMENT HISTORY ) XXXX  LAST {$200.00} REPORTED XX/XX/XXXX, OPEN DATE XX/XX/XXXX ( XXXX XXXX ) = XXXX HISTORY XXXX XXXXXXXX XXXX XXXX {$0.00} LAST REPORTED XX/XX/XXXX ( XXXX  ) = XXXX PAYMENT HISTORY XXXX XXXXXXXX XXXX XXXXXXXX {$0.00} LAST REPORTED XX/XX/XXXX ( XXXX XXXX ) = XXXX PATMENT HISTORY OPEN DATE XX/XX/XXXX IN A SEPARTE SITUATION, XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX PLEASE REMOVE THIS INQUIRE FORM MY REPORT XXXX XXXXXXXX XXXX XXXXXXXX @ XXXX LAST REPORTED XXXX  XXXX. XXXX A LATE PAYMENT EARLY XXXX ( XXXX ) = PAYMENT HISTORY OPEN DATE XX/XX/XXXX INFORMATION, PLEASE INVESTIGATE AND PLEASE REMOVE ALL LATE PAY As per 5 CFR 1315. Late payments are illegal as per 15 U.S CODE 1666b, ( BACKING EACH OTHER ) 1666b TIMING OF PAYMENT UNDER OPEN creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) GRACE PERIOD If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 
WHAT THAT BEING SAID I WOULD LIKE TO PRACTICE MY CONSUMER RIGHT BY DEMAND A 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices and ( a ) Any seller who has taken or received an open-end consumer credit contract before XX/XX/XXXX, shall be exempt from the requirements of 16 CFR part 433.1 with respect to such contract provided the contract does not cut off consumers ' claims and defenses. 
I was not given a purchase money loan, which is a cash advance, according to the meaning of a '' finance charge '' meaning within the Truth and lending act. ( TILA ) CONSUMER PROTECTION LAW ENACTED IN 1968 A request for expedited processing is being made in writing as per 12 CFR 107O.17 As per 16 CFR 433.1 I got a money purchased loan they gave me a consumer loan, nor did I, receive a cash advance, OR Money purchase with DEPT OF ED XXXX REPORTED DATE XX/XX/XXXX NOR DID I receive a cash advance, OR Money purchase with DEPT OF ED XXXX REPORTED DATE XX/XX/XXXX, e Family Educational Rights and Privacy Act or FERPA provides certain rights for parents regarding their childrens education records. When a student reaches 18 years of age or attends an institution of postsecondary education at any age, the student becomes an eligible student, and all rights under FERPA transfer from the parent to the student. This guide provides general information on an eligible students rights under FERPA ( 20 U.S.C. 1223g ; 34 CFR Par 99 ) admin, by ( SPPO ) Student Privacy Policy Officer In the U, S Department of Education ( Department ). protecting education records related to students and maintained by an educational agency or institution or by a party acting for the agency or institution such as a college or university in this case. Family Educational Rights and Privacy Act or FERPA provides certain rights for parents regarding their childrens education records.

'Under FERPA, a school generally may not disclose PII from a students education records to a third party unless the students parent has provided prior written consent. no consent was given.

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