Consumer complaint received 2023-09-04
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: Their investigation did not fix an error on your report

Complaint:
1. Reporting of Late Payments : EXPERIAN has also been reporting late payments on my credit report, which is a direct violation of the FCRA, specifically 15 USC 1681a ( 2 ). The FCRA clearly stipulates that credit reporting agencies are obligated to ensure the accuracy of the information they report. The reporting of late payments when no such late payments occurred is a clear breach of this requirement.

2. Violation of 15 U.S. Code 1666b and 15 U.S. Code 6802 : Additionally, EXPERIAN appears to have violated 15 U.S. Code 1666b and 15 U.S. Code 6802, which are designed to protect consumers ' rights and personal financial information. These violations require immediate attention and remediation.

I am writing to formally dispute and address a significant violation of my consumer rights under the provisions of 15 U.S. Code 6802, which grants me the right to opt out of the sharing of my personal information by consumer reporting agencies, such as EXPERIAN. I have recently discovered that I was never given the option to exercise this fundamental right, and I am seeking immediate resolution of this matter through pre-arbitration proceedings.

Under 15 U.S. Code 6802, consumer reporting agencies are obligated to provide consumers with a clear and conspicuous notice of their right to opt out of having their personal information shared for certain purposes, including marketing. Furthermore, consumers should be provided with a simple and easily accessible method for opting out, such as a toll-free telephone number.

Despite the clear requirements of this statute, I have not received any notice from EXPERIAN informing me of my right to opt out of the sharing of my personal information. This omission is a direct violation of 15 U.S. Code 6802 and undermines my privacy rights as a consumer. 






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Company response to consumer: Closed with explanation