Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
Please remove these names ( 3rd time requesting and you are in violation of the FCRA for not reporting accurate information. Please provide me {$1000.00} per violation or I will be forced to take further action ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As previously noted, there are still inquiries on my file that were not made or approved by me. Remove these immediately : 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 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  XXXX This raises concerns under FCRA 1681b, regarding permissible purpose and proper reporting. Please remove the following late payments and accounts as there has not been any factual disputes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These are Grounds for Deletion : 1. No Authorization to Publicly Display Personal Information Under the Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) and its Privacy Rule, financial institutions must ensure that personally identifiable financial information is not disclosed to third parties without explicit consent. I did not authorize any third party, including credit reporting agencies, to publicly display or disseminate my personal credit history, including late payments. This constitutes a violation of my financial privacy rights. 2. Violation of FCRA Inaccurate and Unverifiable Reporting Per 15 U.S.C. 1681c ( a ) of the FCRA, negative information such as late payments may not be reported beyond seven years from the date of the first delinquency. Any account that is past this time frame must be deleted. Additionally, FCRA 1681i ( a ) requires that any disputed item that can not be verified by the furnisher of the information must be promptly deleted from the consumers file. 3. No Legal Obligation or Contract with Credit Bureaus I have never entered into any contractual agreement with your agency granting permission to collect, store, report, or distribute my personal credit information. The unauthorized reporting and dissemination of my personal and financial data is being done without my informed consent, and therefore must cease immediately. 4. Violation of My Right to Privacy and Consumer Protections Under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ), consumers are protected from unfair, deceptive, or abusive acts or practices ( UDAAPs ). Reporting inaccurate or unauthorized information, especially without proper validation or consent, is considered an abusive practice and is subject to regulatory enforcement. 
My police reporXXXX 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