Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom it May Concern, It is to my understanding that your company illegally violated my federally protected consumer rights. 

This company reported an incorrect name, address, and accounts and account reporting that was not mine or completely inaccurate. They have violated my federally protected rights as a consumer and brought great harm to my reputation. I have been disputing this incorrect data for over a year with no resolution. I have been ignored time and time again and my data has been shared with companies without my approval. My name and information has been used to extend credit to companies I have never had business with. My privacy has been breached time and time again by this company. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair, and accurate. After looking at my consumer report I realized that my report is inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified when during your companys initial investigation that you were going to report this information.

This grave error has undermined my confidence in your companys procedures, and as a result of this I will no longer be extending credit, also if this information is not removed, I no longer want my information reported in your companys database.

Pursuant to USC 1681 ( a ) ( 2 ) - Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it as adversely affected my credit worthiness, family life, and mental health. This is very serious to me and my loved ones.

Pursuant to 15 USC 1681 ( a ) ( 3 ) - Your company assumed this role. You were not given express permission by ME, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information but you also assumed this role, and assumed the information was valid. That is a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) - You did not ensure that this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, and never consulted with me to find out if these transactions even took place. As a result of this my privacy was breached, and this violated my right to privacy. ( See Exhibit A ) ( The highlighted accounts are a result of your failure to protect my rights resulting in a violation of my right to privacy ) Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. These alleged transactions that you are reporting and failed to investigate, whether or not they took place can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights.

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 USC 161a ( B ) - Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. These alleged transactions that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( I ) ( Definition attached and highlighted in Exhibit B ) This company has never contacted me during this initial investigation and illegally shared information that did not belong to me.

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