Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: OH
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:
In accordance with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnis
h an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) SECTION STATES : NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVECTIONS OF CRIME WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Because of them, I'm unable to be approved to purchase a home for my family and My auto loan interest rate is too high so I am writing to file a formal complaint against Collection Account # XXXX, operated by XXXX XXXX XXXX, for its improper use of my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. It has come to my attention that XXXX XXXX XXXX has unlawfully utilized my credit report without proper authorization and has failed to comply with the requirements set forth in the FCRA. 

I recently discovered that XXXX XXXX XXXX  has accessed and reported information from my credit report in a manner that exceeds the permissible purposes outlined in the FCRA. This has resulted in unjust harm to my creditworthiness and overall financial well-being. It is my belief that XXXX XXXX XXXX has not adhered to the legal obligations mandated by federal law and has compromised my rights as a consumer. 

Under the FCRA, consumer reporting agencies are required to ensure the accuracy, fairness, and privacy of the information contained in credit reports. Moreover, these agencies must obtain proper authorization from consumers before accessing and disclosing their credit information. It appears that XXXX XXXX XXXX  has neglected these responsibilities, leading to significant distress and harm to my financial standing. 

In light of the above, I respectfully request that the Consumer Financial Protection Bureau conduct a comprehensive investigation into this matter and take appropriate action against XXXX XXXX XXXX. Specifically, I seek the following remedies in accordance with the FCRA : 1.Immediate cessation of XXXX XXXX XXXX  's unauthorized access to and use of my credit report. 
2.Thorough examination of the actions taken by XXXX XXXX XXXX in violation of the FCRA. 
3.Application of suitable penalties and fines on XXXX XXXX XXXX for its non-compliance with federal consumer protection laws. 
4.Compensation for any financial losses, damages, and emotional distress I have endured as a result of XXXX XXXX XXXX XXXXs actions. 
5.Implementation of corrective measures to ensure that XXXX XXXX XXXX fully complies with all provisions of the FCRA in the future. 

I have attached pertinent documentation to support my complaint, including evidence of XXXX XXXX XXXX XXXX unauthorized use of my credit report. I am fully prepared to cooperate with any investigation or further inquiry that the Consumer Financial Protection Bureau may undertake. 

Thank you for your attention to this serious matter. I am confident that the Consumer Financial Protection Bureau will diligently investigate the actions of XXXX XXXX XXXX and secure a resolution that safeguards my rights as a consumer.

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