Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: KY
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:
I hope this message finds you well. I recently conducted a thorough review of my credit report and uncovered alarming violations of my federally protected consumer rights, particularly under the Fair Credit Reporting Act ( FCRA ). 

Upon closer examination of the specific accounts as follows : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, It has become evident that the following federal laws have been violated : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy - My right to privacy, as guaranteed by 15 U.S.C 1681 Section 602 A, has been compromised.

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement - The account has been reported without my explicit written instructions, a direct breach of 15 U.S.C 1681 Section 604 A Section 2.

3. 15 U.S.C 1681c. ( a ) ( 5 ) Section : Seven-Year Reporting Limitation - The inclusion of adverse information exceeding the seven-year reporting period, as outlined in 15 U.S.C 1681c. ( a ) ( 5 ) Section, is affecting my credit report.

4. 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Accuracy of Information - The information provided to consumer reporting agencies is inaccurate, violating 15 U.S.C. 1681s-2 ( A ) ( 1 ).

5. Identity Theft and Assumption Deterrence Act Violation : - If there's any potential unauthorized transfer or use of my identification linked to identity theft, it may constitute a violation of the Identity Theft and Assumption Deterrence Act.

6. Consumer Financial Protection Act Violation : - The account 's transgressions may also fall under the Consumer Financial Protection Act ( CFPA ), particularly in terms of potentially unfair, deceptive, or abusive acts related to consumer financial products or services.

These inaccuracies and violations are not only a breach of my rights but are also significantly hindering my ability to secure credit for essential needs such as a new house, car, and other necessities for my family. I strongly advise taking immediate action to address these violations and protect my rights. As per federal law, I have the right to dispute and request the removal of inaccurate information, as well as report any potential identity theft incidents. Safeguarding my consumer rights is my top priority, and I appreciate your prompt attention to this matter.

Respectfully,

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