Consumer complaint received 2018-01-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Dear Sir or Madam : On XX/XX/XXXX, I, XXXX XXXX XXXX ( Complainant ) have received NCAC, doing business as Experian, credit report, and discovered missing inquiry requested from the XXXX XXXX XXXX XXXX, in conjunction with the XXXX XXXX XXXX , had not documented any inquires associated with my credit report number, XXXX for rental contractual leasing opportunity dated, on XX/XX/XXXX. See Exhibit A. After, the Complainant had paid, the XXXX XXXX XXXX XXXX, and their third-party affiliate, XXXX XXXX XXXX , for an online credit reporting application fee, in the amount of {$40.00} and convenience fees, in the amount of {$4.00} were not displayed onto the record of requests for your credit history section of the Complainants credit reporting number, XXXX. Even though, on XX/XX/XXXX ( Wednesday ), the Complainant received an Applicant Adverse Action email from the XXXX XXXX XXXX XXXX, for a denied rental contractual leasing opportunity due to the XXXX XXXX XXXX, displayed the Complainant credit reporting data file eligibility index shown a dash ( without a score ) by way of claiming Experian had furnished, the XXXX XXXX XXXX , in conjunction with the XXXX XXXX XXXX XXXX XXXX, their adverse characterization action against her. See Exhibit B. The Complainant has one question? Why did, the XXXX XXXX XXXX, in conjunction with the XXXX XXXX XXXX XXXX XXXX , denied the Complainant rental contractual leasing opportunity as stated, in their Applicant Adverse Action email ; after, the XXXX XXXX XXXX, in conjunction with the XXXX XXXX XXXX XXXX XXXX , stated , the Index Score is blank when the XXXX XXXX XXXX in conjunction with the PXXXX XXXX XXXX XXXX , never requested the Complainants credit history information from Experian? However, the Complainant was denied rental contractual leasing opportunity on a false adverse action for no apparent reason from the XXXX XXXX XXXX, in conjunction with the XXXX XXXX XXXX XXXX XXXX . In accordance with the Fair Credit Reporting Act ( FCRA ), Disclosures to Consumers, Title 15 U.S.C. 1681g, which specifically referred to : A. Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : 1. All information in the consumers file at the time of the request except that- ( a ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( b ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.

2. The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, that in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.

3.

a. Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report i. for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made. ( B ) b. An identification of a person under subparagraph ( A ) shall include i. the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and ii. upon request of the consumer, the address and telephone number of the person.

c. Subparagraph a. does not apply if i. the end user is an agency or department of the United States Government that procures the report from the person for purposes of determining the eligibility of the consumer to whom the report relates to receive access or continued access to classified information ( as defined in section 604 ( b ) ( 4 ) ( E ) ( i ) ) ; and ii. the head of the agency or department makes a written finding as prescribed under section 604 ( b ) ( 4 ) ( A ).

4. The dates, original payees, and amounts of any checks upon which is based any adverse characterization of the consumer, included in the file at the time of the disclosure.

5. A record of all inquiries received by the agency during the 1-year period preceding the request that identified the consumer in connection with a credit or insurance transaction that was not initiated by the consumer. ( 6 ) If the consumer requests the credit file and not the credit score, a statement that the consumer may request and obtain a credit score.

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