Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
I have raised allegations concerning the fraudulent inclusion of information from third-party creditors on my credit report. Given the gravity of these allegations, it is imperative that a thorough examination be conducted to determine the precise steps your institution took to validate the accuracy and veracity of the information in question. 
In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( 5 ) ( A ), I assert my unequivocal right to request the prompt deletion of any information on my credit report that is inaccurate, incomplete, or unverifiable, as mandated by this provision.

I have identified discrepancies and inaccuracies within my credit report, which necessitate immediate rectification, in line with FCRA 15 USC Section 1681i, which mandates that all information within the credit report must be accurate.

Furthermore, FCRA 1681a ( 2 ) ( A ) ( i ) stipulates that credit reports must solely encompass information regarding transactions or experiences between the consumer and the entity responsible for reporting such activities. Thus, any extraneous or irrelevant information must be expunged from my credit report without delay. 

I wish to emphasize my right to personal privacy and consent, protected by 15 USC 1681 Section 602, which prohibits the non-consensual dissemination of personal information to third parties without explicit written authorization.

In alignment with 15 USC 1681 Section 604, subsection 2, it is unequivocally stated that no consumer reporting agency, such as your institution, may furnish an account without prior written instructions from the consumer. I have not provided written instructions for any such disclosures, rendering any disclosure by your institution a clear violation of my statutory rights under the FCRA.

Furthermore, as per 15 USC 1666B, it is explicitly outlined that a creditor may not classify a payment on a credit card account as late within an open-end consumer plan for any purpose. Any attempts to do so would constitute a serious breach of the law and a detrimental infringement upon my rights as a consumer. 

I also request comprehensive information regarding past lawsuits or legal actions initiated against your agency due to fraudulent practices on consumer credit reports. Such documentation will prove invaluable in assessing the extent of your legal liabilities. 

Im also aware that this is a dangerous trend that Experian has a track record in, for example : Case Summary : Experian XXXX XXXX XXXX XXXX is paying {$5.00} XXXX to settle a class action alleging that it provided inaccurate information on some of its credit reports. The complaint alleged that the inaccurate information included delinquent loan accounts from XXXX XXXX XXXX, a debt collector for loans from XXXX XXXX XXXX XXXX XXXX, that should have been excluded after XX/XX/XXXX. Although Experian deleted all XXXX accounts from its consumer reports in XX/XX/XXXX, the complaint claims, it later permitted some of those accounts to begin reporting again. 

Docket Number : 8:17-cv-00629-CJC-AFM It is incumbent upon your agency to meticulously outline the specific actions taken to authenticate the reliability and credibility of the information procured from these third-party creditors. I demand an exhaustive, step-by-step account of the measures implemented to ensure the accuracy and integrity of the information before its inclusion in my credit report. 

Furthermore, please clarify the nature of the relationship between your company and these third-party creditors, including any contractual agreements, financial arrangements, or affiliations that facilitate XXXXhe exchange of consumer data. 

In the interest of transparency and clarity, it is essential that you disclose the details of any individuals, companies, or entities directly involved in the alleged fraudulent scheme. This information will be instrumental in building a compelling legal case based on irrefutable evidence, incorporating the relevant provisions of the Fair Credit Reporting Act ( FCRA ) and other pertinent consumer protection laws. 

I am fully aware of my rights as a consumer and am determined to protect them vigilantly. I formally request a comprehensive and meticulous re-investigation into the origin, acquisition, and dissemination of fraudulent and inaccurate information attributed to third-party creditors on my credit report. PLEASE DELETE AND CEASE REPORTING IMMEDIATELY! 

I expect your response to employ precise and articulate language, adhering to the highest standards expected from a reputable financial institution. The provision of concise and unambiguous explanations, utilizing industry-specific terminology, will facilitate my understanding of the intricacies involved in this alleged fraudulent scheme.

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