Consumer complaint received 2024-04-09 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:
I am writing to address serious concerns regarding the handling of my consumer report by your company. As a consumer, I demand that you adhere to all applicable laws and regulations governing consumer reporting agencies. Below, I have outlined the specific issues and actions I expect you to take : Section I - Privacy, Permissible Purpose, & Lack of Notice Laws Privacy : I, XXXX XXXX XXXX, have not provided any consentverbal or writtento XXXX, Experian, or XXXX to report any information on my consumer report. This lack of consent violates the U.S. Congress 's mandate to ensure fairness, impartiality, and respect for consumers ' privacy rights. I demand that you provide evidence of any existing contract granting permission for such reporting within 30 days. Failure to produce this will result in the immediate exclusion of reported accounts from my consumer report. 

Permissible Purpose : Without my explicit written instructions, you do not have permissible purpose to furnish my personal information to any third party. I demand evidence of any contract granting you such permission within 30 days. In the absence of this documentation, I expect you to promptly comply with the written instructions outlined in Section II. 

Lack of Notice : I was not provided with the necessary notices before my personal information was furnished to any third party, as required by the Gramm-Leach-Bliley AcXXXX. I demand evidence of compliance with the notice requirements within 30 days. Failure to provide this will result in immediate opt-out instructions from disclosure on my consumer report. 

Section II - Remedy List of information that I demand to have removed from my consumer report : Deletion of all but one instance of " XXXX XXXX XXXX '' from my name, with the middle name excluded. 
Reduction of my date of birth to only display the year, omitting the month and day. 
Retention of only one current address, with all others removed. 
Removal of monthly payment and past due amount details. 
Deletion of inquiries from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Removal of any comments associated with my accounts. 
Upon completion of these actions, I request a free copy of my updated consumer report reflecting the changes made. 

Section III - Additional Issues Late Payments : I demand that you cease reporting any late payments on my consumer report, as such information is excluded from consumer reports under the Fair Credit Reporting Act. I specifically request the deletion of any references to late payments from XXXX XXXX XXXX XXXX and any other accounts not listed. 

Charge Offs : Accounts listed as charged off must be deleted from my consumer report, as the IRS defines canceled debts/charge-offs as income, which is not reported on consumer reports. I request the removal of all charge-off accounts not previously listed. 

Failure to comply with these demands within the specified time frames will result in legal action, including seeking damages for defamation of character and violations of the Fair Credit Reporting Act. 

Thank you for your prompt attention to these matters.

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