Consumer complaint received 2023-06-21
Company: Experian Information Solutions Inc.
State: PA
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:
I am writing to file a formal complaint against Experian, XXXX, and XXXX regarding the unauthorized access to my personal information and the opening of accounts in my name without my consent. This violation of my privacy rights raises serious concerns about their practices and compliance with federal laws, specifically the Fair Credit Reporting Act ( FCRA ). I recently discovered that Experian, XXXX, and XXXX obtained my personal information without my written instructions to report anything in my consumer report. Furthermore, they have been reporting inaccurate, unproven, unverified, incomplete, untimely, and non-compliant information over the past two years, thereby violating my consumer rights. I would like to bring the following accounts to your attention : XXXX XXXX XXXX Credit Card Account # : XXXX Opened : XX/XX/XXXX Reported Balance : {$1300.00}. XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX Opened : XX/XX/XXXX Reported Balance : {$2100.00}. XXXX XXXX XXXX XXXX XXXX Loan Account # : XXXX Opened : XX/XX/XXXX Reported Balance : {$13000.00}. XXXX XXXX XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Reported Balance : {$630.00}. XXXX XXXX XXXX # : XXXX Opened : XX/XX/XXXX Reported Balance : {$0.00}. XXXX XXXX Collections Account # : XXXX Never opened Reported Balance : {$280.00}. I want to emphasize that I did not provide consent or authorization for any of these accounts, nor have I benefited from them in any way. Therefore, I request the following actions be taken : Regarding the XXXX  XXXX XXXX Credit Card account, I insist that this account should not be furnished in my consumer report, as it is in direct violation of my rights under 15 U.S. Code 1681b. Specifically, under 15 U.S. Code 1681b ( a ) ( 2 ) ( i ), the reasons for the determination under subparagraph ( a ) and ( ii ) should be considered according to 15 U.S. Code 1681b ( a ) ( 4 ). Concerning the XXXX XXXX XXXX XXXX XXXX account, I urge that this account should not be furnished in my consumer report, as it is in violation of my rights as outlined in 15 U.S. Code 1681b. Similar to the previous point, 15 U.S. Code 1681b ( a ) ( 2 ) ( i ) and 15 U.S. Code 1681b ( a ) ( 4 ) should be taken into consideration. Regarding the XXXX XXXX XXXX XXXX XXXX XXXX account, I request that this account should not be furnished in my consumer report, as it is in violation of my rights under 15 U.S. Code 1681b. The same legal provisions mentioned above should be applied. Concerning the XXXX XXXX XXXX XXXX XXXX account, I insist that this account should not be furnished in my consumer report, as it violates my rights under 15 U.S. Code 1681b. The legal provisions outlined in the previous points should be taken into account. Regarding the XXXX XXXX XXXX XXXX account, I request that this account should not be furnished in my consumer report, as it is in violation of my rights under 15 U.S. Code 1681b. The aforementioned legal provisions should be duly considered. Concerning the XXXX XXXX Collections account, I strongly assert that this account should not be furnished in my consumer report, as it violates my rights under 15 U.S. Code 1681b. The legal provisions mentioned above should be taken into account.

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