Consumer complaint received 2024-09-24 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: NY

Complaint narrative:
As a consumer ( designated under 15 USC ) I have a RIGHT to a FAIR and ACCURATE consumer report. But I have recently received a copy on my consumer reports and I noticed XXXX, EXPERIAN, and XXXX have unlawfully PUBLISHED transactions ( LATE PAYMENT, and USE of SPENDING/UTILIZATION RATE ) on my consumer report that are excluded by law as per the FCRA 15 USC 1681a ( 2 ) ( A ) ( i ).

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumer 's transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumer ' credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means.

Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
FICO or none of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( ME ) and the Person ( XXXX XXXX XXXX XXXX ) is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or Vantage which makes their factors or algorithm not a factor where the consumer report is concerned. 
XXXX, EXPERIAN, and XXXX have PUBLISHED transaction information on the following accounts. 
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 All payments were made on time, all payments were exact and all payments were made on their respective due date. 

I also discovered that XXXX XXXX XXXX XXXX XXXX are unlawfully reporting information to the credit agencies ( XXXX, EXPERIAN and XXXX ) in contravention to Title 15 USC and have failed or refused to providing me with the option to or instructions directing me ( the consumer ) to exercise the nondisclosure option of data to a 3rd party ( in contravention to Sec. 6802 ( b ) ( 1 ) ( B ) ( C ) of Title 15 USC ). As a result of the violation of Sec. 6802 to the consumer, the financial institution XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been violating federal law ( Sec.1666 ( a ), ( b ) and providing the agencies with MISLEADING, INACCURATE and UNAUTHORIZED data, ( LATE PAYMENT, and USE of SPENDING/UTILIZATION RATE ) to this agency to publish in contravention to the Fair Credit Reporting Act., Consumer Credit Protection Act. and the PRIVACY Act.

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