Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX XXXX for their illegal and unethical business practices that have caused harm to me. I believe that XXXX XXXX XXXX has violated several consumer protection laws and regulations, including : Privacy Act of 1974 ( 5 U.S.C. 522a ) : This federal law governs the collection, use, and dissemination of personal information by federal agencies. It provides individuals with certain rights, such as the right to access and correct their personal information held by federal agencies. XXXX XXXX XXXX has violated this law by failing to protect my personal information and sharing it with unauthorized third parties. 15 USC 1681 : This section of the United States Code establishes requirements for consumer reporting agencies, which are companies that collect and maintain information on consumers ' credit histories and other financial behavior. 

The law requires these agencies to ensure that the information they collect is accurate and to provide consumers with access to their credit reports. XXXX XXXX XXXX has violated this law by reporting inaccurate information to credit reporting agencies and refusing to correct it. 15 USC 6801 : This section of the United States Code establishes requirements for financial institutions to protect the privacy of their customers ' personal information. The law requires financial institutions to provide customers with notice of their privacy policies and to limit the sharing of customers ' personal information with third parties. XXXX XXXX XXXX has violated this law by failing to provide me with proper notice of their privacy policies and by sharing my personal information with unauthorized third parties. 

15 USC 6802 : This section of the United States Code requires financial institutions to establish and implement appropriate safeguards to protect the security and confidentiality of customer information. XXXX XXXX XXXX has violated this law by failing to implement appropriate safeguards to protect my personal information from unauthorized access. 15 USC 6804 : This section of the United States Code authorizes the Federal Trade Commission ( FTC ) to promulgate rules and regulations to implement the provisions of 15 USC 6801-6809. XXXX XXXX XXXX has violated the rules and regulations promulgated by the FTC under this section by failing to protect my personal information and sharing it with unauthorized third parties. 15 USC 6805 : This section of the United States Code provides for enforcement of the provisions of 15 USC 6801-6809 by various government agencies, including the FTC and state attorneys general. 

XXXX XXXX XXXX has violated this law by failing to protect my personal information and refusing to correct inaccurate information on my credit report. 16 CFR 313.1-313.7 : These sections of the Code of Federal Regulations set forth requirements for the proper disposal of consumer report information, such as credit reports, to prevent unauthorized access to such information.

The regulations require financial institutions and other entities to take reasonable measures to protect consumer information, including disposing of it securely when it is no longer needed. XXXX XXXX XXXX has violated this regulation by failing to dispose of my personal information securely. 16 CFR 433.2-433.3 : These sections of the Code of Federal Regulations pertain to the preservation of consumer claims and defenses in debt collection cases. They require debt collectors to provide consumers with information about their rights and to preserve any evidence that may be relevant to a dispute. 

XXXX XXXX XXXX has violated this regulation by failing to provide me with information about my rights and by not preserving evidence relevant to my dispute. Additionally, XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692e, which prohibits false, deceptive, or misleading representations in connection with the collection of a debt. XXXX XXXX XXXX has made false representations in their attempts to collect a debt from me. I am writing to file a formal complaint against XXXX XXXX XXXX for their illegal and unethical business practices that have caused harm to me. 

Moreover, XXXX XXXX XXXX may have potentially committed identity theft, a violation of 18 U.S. Code 1028, by sharing my personal information with unauthorized third parties without my consent. I am requesting that XXXX XXXX XXXX immediately stop all illegal and unethical business practices, accurately report my account, and provide evidence of any permissible permission that was given for sharing my personal information. I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure that XXXX XXXX XXXX is held accountable for their actions. 

In conclusion, XXXX XXXX XXXX has violated multiple federal consumer protection laws and regulations, including but not limited to the Privacy Act of 1974, 15 USC 1681, 15 USC 6801, 15 USC 6802, 15 USC 6804, 15 USC 6805, 16 CFR 313.1-313.7, 16 CFR 433.2-433.3, and 15 USC 1692e. These violations include failing to protect my personal information, reporting inaccurate information to credit reporting agencies, sharing my personal information with unauthorized third parties, failing to provide proper notice of their privacy policies, failing to implement appropriate safeguards to protect my personal information, refusing to correct inaccurate information on my credit report, and engaging in false and misleading debt collection practices.

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