Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021, I sent EXPERIAN the letter attached to this complaint via USPS Certified Mail return receipt requested, stating several federal laws and regulations EXPERIAN was in violation of regarding my personal consumer report. The first federal law EXPERIAN acted against is 15 USC 1681b ( a ) ( 2 ) which states the following- ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I, the consumer, never gave EXPERIAN, the credit reporting agency, any written instructions, or consent to furnish or report anything on my consumer report.

The Second federal law EXPERIAN acted against is 15 USC1681a ( d ) ( 2 ) ( B ) which states the following- ( 2 ) EXLUSIONSExcept as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. This means any account reported or furnished on my consumer report that was opened using my social security ( credit ) card and drivers license ( credit ) card is an individual act and violation of this federal law.

The third federal law EXPERIAN acted against is 15 USC 1681a ( 2 ) ( A ) ( iii ) which states the following- ( 2 ) EXCLUSIONSExcept as provided in paragraph ( 3 ), the term consumer report does not include ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated amount such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that information not be communicated among such persons. I, the consumer, was not given the opportunity, before the time that my information was initially communicated between Experian and the corporations listed in my letter dated XX/XX/2021, to direct that information to not be communicated among such persons. My right to opt-out of this was NOT clearly and conspicuously DISCLOSED to me, the consumer. As of XX/XX/2021 it has been over 30 calendar days since I disputed the accounts in my letter dated XX/XX/2021. Pursuant to 15 USC 1681i, if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period. Paragraph ( 5 ) states the following- ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. EXPERIAN must now delete the accounts disputed immediately pursuant to 15 USC 1681i. EXPERIAN is civilly liable for all individual acts against the FCRA stated in this complaint.

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