Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern, I am writing to formally dispute the information contained in my consumer report, as provided by your agency. Upon reviewing my report, I discovered that undisclosed personal information about me has been shared with a non-affiliated third party without my written consent. This appears to be a violation of the regulations outlined in 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ), I have the right to be informed about and control the disclosure of my personal information. The disclosure to a non-affiliated third party raises concerns regarding my privacy rights, as I was never afforded the opportunity to opt-out, as mandated by law. 

Upon careful examination of the report, I noted that specific accounts are being reported without my written consent. It is crucial to clarify that my dispute is not with the creditor but with your reporting agency for disseminating and reporting information without proper authorization. 

I reference 15 USC 1681b - Permissible Purpose, which necessitates a consumer 's written consent for the reporting of personal information. Presently, I have not granted such written consent, and I kindly request documentation to validate my consent, demonstrating compliance with this legal requirement. Failure to furnish evidence of my consent could be construed as a violation of my rights under the FCRA.

Additionally, I have filed a report with the Federal Trade Commission ( FTC ) concerning this matter, and the reference number for my complaint is XXXX. I believe that the unauthorized disclosure and reporting of my personal information may constitute a violation under 18 USC 1028a, potentially constituting identity theft.

Pursuant to 15 USC 1681c-2, I formally request the removal of the following accounts from my consumer report within four business days from the date of this letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I affirm my right to a fair and accurate credit reporting process, emphasizing that the swift removal of these accounts is crucial to rectifying the reported inaccuracies. 

Furthermore, I request documentation regarding your method of verification for the disputed accounts and records showing proof of my option to opt-out of the information being reported in my consumer report. This will ensure that your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. 

I anticipate your prompt attention to this matter and the resolution of my dispute within the specified time frame of four business days. Non-compliance with the provisions of the FCRA may result in further legal action.

Thank you for your immediate attention to this matter.

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