Consumer complaint received 2024-05-10 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: PA

Complaint narrative:
I am lodging a formal complaint regarding discrepancies found on my credit report, which are in direct violation of the Fair Credit Reporting Act ( FCRA ) and have resulted in considerable distress to me as a consumer. 
I am a XXXX XXXX XXXX XXXX with a long standing professional background in XXXX. My career has taught me the significance of detail, accuracy, and ethical conduct principles that I find alarmingly compromised in my recent credit reports, prepared by Experian, XXXX and XXXX Credit Agencies. 
According to 15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting. Finding there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Consumer reporting agencies are required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. I have found copious amounts of inaccuracies all throughout my credit report and each one is a violation. Not to mention, reporting transaction history is illegal.

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not given written instructions or permission for XXXX, Experian or XXXX to furnish my consumer report and this is a clear violation of the FCRA and an infringement of my consumer rights. 

15 USC 1666b addresses timing of payments and states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Therefore all of my accounts should be PAID AS AGREED What amplifies my concern is the presence of inquires on my credit report that I am not aware of where they come from. P.L 90-321 ( 82 Stat. 146 ) which is law, law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) The repercussions of such inaccuracies and unauthorized information has been profoundly damaging. As a professional with aspirations for personal financial growth, these errors risk my access to credit, housing, and even employment opportunities. The anxiety and time consumed trying to rectify these issues are burdensome and exhausting.

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