Consumer complaint received 2024-05-17 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OHIO XXXX XXXX XXXX XX/XX/XXXX XXXX COMPLAINT : IMPROPER USE OF CREDIT REPORTING According to the FCRA ( Fair Credit Reporting Act ) as a federally protected consumer I am now OPTING out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802 effective immediately and indefinitely. 

All of these third-party credit reporting agencies XXXX XXXX XXXX XXXX, Experian, XXXX, XXXX, and XXXX XXXX, have violated these laws on my credit report by reporting inaccurate and negative items and sharing this information with third party non affiliates. I have called and written to dispute all of these violations and ask them to remove them by giving them the CFR and UCS laws and some still refuse to remove them. Please help me.

1-15 USC 1618 b Permissible purposes of consumer reports ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation.

2-15 USC 1692e False or misleading representations.

3- 15 USC 1681 Congressional findings and statement of purpose.

4- 16 CFR part 313 PRIVACY OF CONSUMER FINANCIAL INFORMATION. 
5- 16 CFR 433.3 Transaction violations. Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of 433.2 ( a ).

6- 16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

7- Privacy Act of 1974, 5 U.S.C . 552a The Act requires agencies to keep an accurate accounting of information disclosures, except when the disclosure is made within the agency for routine administrative uses or made under the Freedom of Information Act ( FOIA ). The Act requires each agency that maintains a system of records to restrict the collection of information to only the information relevant to the purpose, to ensure the information remains accurate, to collect information directly from the subject whenever possible, and to tell the subject the purpose for which the information is being collected and the authority under which it is being collected. 5 U.S.C. 552a ( e ).

8- 20 USC 1232g & 34 CFR 99 Family educational and privacy rights.

9- 15 USC 6801 Protection of nonpublic personal information.

10- 15 USC 6805 Enforcement ; In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.

11- 17 USC 424 Language Fraud letting other companies look at consumers credit report to send promotions ads and offers. 
12- FERPA OF 1974 which protects the privacy interests of parents and students by restricting the unwarranted disclosure of personally identifiable information from education records.

13- 15 USC 1601 Negative information on credit report after 7 years and charge offs are considered certificate of indebtness according to IRS PUBLICATION 4681 IS CONSIDERED INCOME and must be removed. 

I want monetary compensation from each credit reporting agencies violation. XXXX, XXXX, and Experian and all of the creditors that I listed above for my mental stress and anguish from being denied credit from places and being denied housing as well. I am asking for {$1800.00} dollars per every violation from each and every one of these third party reporting agencies. 

Thank you in Advance for your support. 

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