Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear CFPB, I am writing to report a violation of the Fair Credit Reporting Act ( FRCA ) by Experian, XXXX, and XXXX. I have contacted each agency on multiple occasions to address this issue but have not received a satisfactory resolution. 

Summary of the Complaint : On XX/XX/2023, I sent written notifications to Experian, XXXX, and XXXX asserting that they have included information on my consumer reports without my written, verbal, or signed consent. 
* This information pertains to a XXXX XXXX account agreement that explicitly states information will not be shared with third-party agencies. 
* In my written requests, I requested documentation demonstrating XXXX XXXXXXXX XXXX  authorization to share this information with your agencies. I also requested the removal of the disputed information from my reports within 14 days. 
* I received no response to my initial inquiries only thing I received XX/XX/, was a consumer report I had requested. 
* On XX/XX/, I decided to follow up with all three agencies by phone to check up on my requests. Each customer service agent confirmed receipt of my written notification letter that they have decided not to respond to. 
* Despite confirming receipt, each agency representative : * Refused to provide documentation supporting their inclusion of the disputed information. 
* Repeatedly redirected my calls to other agents, creating a frustrating and unproductive experience. 
* Experian Claimed that " policy is over law, '' which is a demonstrably false statement. Experian agent displayed unprofessional behavior by laughing at me while I was exercising my rights to provide more knowledge for understanding. 

Impact of the Violation * The inclusion of this unauthorized information has caused me significant pain and suffering. It has specifically hampered my ability to obtain housing by appearing on my consumer reports. 
* The unauthorized sharing of this information constitutes a clear violation of my privacy and potentially even identity theft. 

Requested Action 1. Immediate removal of the disputed information from my credit reports with Experian, XXXX, and XXXX. This information was included without my consent and contradicts the terms and conditions of the relevant account agreement. 
2. Documentation Each agency must provide me with written documentation demonstrating XXXX XXXX 's authorization to share this information. 
3. Compensation Each agency must compensate me for the damages I have suffered due to this violation. This includes the emotional distress and financial hardship caused by their actions. 

FRCA Codes of my rights that was poorly exercised with these three bureaus 611 ( a ) ( 4 ) : Consumers have the right to dispute the accuracy and completeness of information in their credit reports. 

611 ( b ) : Credit bureaus must investigate disputed information within 30 days of receiving a dispute. WHICH I GAVE THEM TWO MONTHS 611 ( e ) : Credit bureaus must provide written notice of the results of their investigation and a summary of the consumer 's rights. 

623 ( a ) ( 6 ) : Consumers have the right to request and receive documentation supporting the inclusion of disputed information in their credit reports. 

623 ( a ) ( 8 ) : Consumers have the right to sue credit bureaus for violations of the FRCA. 

I urge the CFPB to investigate this matter and ensure that Experian, XXXX, and XXXX comply with the FRCA. I am confident that a thorough investigation will reveal the validity of my claims and result in appropriate action against the responsible parties. 


Proof of sent information XXXX XXXX XXXX XXXX XXXX XXXX XXXX USPS.com - USPS Tracking Results Experian XX/XX/2023, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - USPS Tracking Results XXXX Arrived XX/XX/XXXX @ XXXX Last day to respond is XX/XX/9589 XXXX XXXX XXXX XXXX XXXX USPS.com - USPS Tracking Results I will attach one PDF file I sent to each agency Sincerely, In Good Faith without recourse.

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 non-monetary relief