Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10131546

Complaint Overview

Complaint ID: 10131546

Company: Experian Information Solutions INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a company's investigation into an existing problem

Sub-Issue: Their investigation did not fix an error on your report

State: New York

ZIP Code: 11427

Date Received: 2024-09-15T12:00:00-05:00

Date Sent to Company: 2024-09-15T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I have the right to privacy as a federally protected consumer. I do not consent to E-Oscar verification. 18 USC 1028 ( a ) - Aggravated Identity theft ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. How is XXXX reporting my information when there is no contractual obligation between me and XXXX? My information should be protected against any breaches. XXXX please show me the law that shows you must report anything to a person 's consumer report. The law says you MAY report and the consumer must give permission. 15 USC 6801- Protection of Non-public personnel information. The law says that it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' non-public personal information. 15 USC 16802 obligation with respect to disclosures of personal information. 15 USC 16802 ( b ) Opt-out - A financial institution may not report Non- Public personal information to an non-affiliated third party unless there was 3 disclosures sent to me before the information can be exchanged and the consumer must agree to it. so Nelnet what do i need to do so that my information does not get reported. 15 USC 1692 CC in writing a consumer can refuse to pay a debt collector. 15 USC 1681 ( b ) 2 permissible purpose - There must be one permission written consent from the consumer and they must have a legitimate business reason or government/ court order but without those, they can not pull the consumer report. the law clearly states " A person may furnish in accordance with the written instructions of the consumer to whom it relates. If consumer reporting agencies can not share information without written permission, so how did Sage Stream and Lexus Nexus get my information? Also when they got it, who gave them permission to share it with a consumer reporting agency? Identity Theft 15 USC 1681 Q - obtaining information under false pretense Any corporation who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretense shall be fined based on title 18. 18 USC 1028 ( a ) - Aggravated Identity theft ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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