Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I spoke with several departments of Experian on XX/XX/2024 regarding two accounts on my credit report that were reporting. This is my second or third complaint with Experian, as they still have not fixed certain things already reported to them and to CFPB ; such as un-mailable addresses asked to be removed and were not, names, etc. 

This complaint is due to certain accounts that are currently in litigation for false reporting and attempts to collect an alleged debt with the companies. I do no recognize one of the two companies who are reporting information that I have requested under the law to be kept private, due to the fact we are in litigation.

The two accounts are XXXX and XXXX. AS a reminder, within the law under Title 15 1681- ( a ) Congress makes the following findings ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the CONSUMER 'S RIGHT TO PRIVACY. These finding fall under the FAIR CREDIT REPORTING ACT.

It continues to state under Title 15 1681 ( a ) ( 2 ) EXCLUSIONS EXCEPT AS PROVIDED IN ( 3 ) DOES NOT INCLUDE : ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; These companies DID NOT have my written nor oral consent, nor DO THEY have my consent now, to report these transaction histories as they are not my debts. These companies have alleged to be my debts, which is why we are in ongoing litigation.

Under Title 15 1681 ( c ) ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Therefore, any adverse information other than convictions of crimes can be reported. AS stated, Experian has a duty as a third party consumer reporting agency to adhere to these laws especially if it's related to identity theft which- means fraud committed or attempted using the identifying information of another person WITHOUT authority! Neither company has my permission or consent to maintain this on my report.

Title 5 USC 552a- the term " record '' mean ANY ITEM, COLLECTION, OR GROUPING OF INFORMATION ABOUT AN INDIVIDUAL THAT IS MAINTAINED BY AN AGENCY... INCLUDING HIS FINANCIAL TRANSACTIONS. 

Again, Experian does NOT have my consent!

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