Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX. 

Subject : Violations of Privacy and Confidentiality Rights under the Fair Credit Reporting Act ( 15 USC 1681 ) Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention some concerning issues regarding certain accounts listed on my credit report. Based on my interpretation of the Fair Credit Reporting Act ( FCRA ) and its protections of consumer rights to privacy and confidentiality, I believe that the following accounts have violated my federally protected rights : List of Accounts : 1. Account name : XXXX XXXX XXXX XXXXXXXX XXXX. Account name : XXXX XXXX XXXX # XXXX XXXX. Account name : XXXX XXXX  # XXXX-XXXXXXXXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Each of these accounts has raised concerns regarding the privacy and confidentiality of my personal information, as outlined under the FCRA ( 15 USC 1681 ). I kindly request that you thoroughly investigate these accounts and take appropriate measures to rectify any violations that you may discover.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In accordance with my rights under the FCRA, I am requesting the following actions to be taken : 1. Provide documentation : Please provide me with all relevant documentation pertaining to the collection, reporting, and handling of the accounts mentioned above. This includes any records of communications, authorizations, and notifications related to these accounts.

2. Investigation and verification : I respectfully request that you conduct a thorough investigation into these accounts to ensure accuracy, complete verification, and determine any instances of data misuse or unauthorized access.

3. Rectification and deletion : If any violations are found during the investigation, I request that you rectify the inaccuracies and promptly delete any information found to be in violation of my privacy and confidentiality rights.

I trust that you will handle this matter with utmost professionalism and in accordance with the FCRA. As stated in the FCRA, I expect a timely response and resolution within 30 days of receiving this letter.

Please provide all correspondence in writing and include any relevant reference numbers or case identifiers. Additionally, kindly inform me of any information or documentation you may require from my end to facilitate this investigation. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the protection of my privacy and confidentiality rights. 

Sincerely, 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