Consumer complaint received 2023-02-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has come to my attention that my consumer report, which is crucial to the functioning of the banking system, has been unfairly and inaccurately reported by your company. I have reviewed my report and found that this information is not only inaccurate, but it was also furnished without my knowledge or consent. 

In accordance with Title 15 USC 1681 ( a ) ( 1 ), your company has failed in its duty to maintain the fairness and accuracy of my consumer report. This breach of trust has damaged my confidence in your company 's procedures and has resulted in my decision to refrain from extending any further credit. If this information is not promptly corrected and removed from your database, I request that my information no longer be reported by your company. 

Furthermore, Title 15 USC 1681 ( a ) ( 2 ) states that your company is obligated to act with impartiality and fairness in its reporting responsibilities. However, by failing to properly investigate and report this information, your actions have tarnished my reputation and credit worthiness. 

Under Title 15 USC 1681 ( a ) ( 3 ), your company acted beyond its authorized role by assuming the validity of the information without obtaining my permission or the approval of a competent court. This is a clear violation of my consumer rights. 

Additionally, Title 15 USC 1681 ( a ) ( 4 ) requires your company to ensure the accuracy of the information reported and to exercise impartiality in fulfilling its responsibilities. Your failure to consult with me and verify the legitimacy of the transaction in question has resulted in a breach of my privacy and violated my right to privacy ( as outlined in Exhibit A ).

Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) specifies that transactions between the consumer and the person reporting the information should not be included in the consumer report. The transaction in question, which your company failed to investigate, falls under this category and should therefore be excluded from my report. This constitutes a violation of my consumer rights. 

In accordance with Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( III ), I was never given the opportunity to deny the inclusion of this information in my consumer report during the initial investigation. This constitutes another violation. 

Title 15 USC 1681a ( B ) dictates that credit card transactions, such as the one in question, should not be included in the consumer report. Your company 's failure to investigate the legitimacy of this transaction is a clear violation of this provision.

Finally, Title 15 USC 1681a ( e ) outlines the production of investigative consumer reports, which must be based on a thorough investigation that includes information from a variety of sources. The Fair Credit Reporting Act ( FCRA ) regulates the production of consumer reports and sets strict guidelines to protect consumers from the dissemination of inaccurate or incomplete information. Your company has a responsibility to conduct a reasonable investigation and provide me with a copy of the report upon request, along with information about the sources of the information included in the report. 

In conclusion, the production of an investigative consumer report requires a comprehensive and impartial investigation to maintain the accuracy and reliability of the information reported. Your company 's failure to adhere to these standards and the provisions outlined in the FCRA has resulted in a clear violation of my consumer rights. I demand prompt action to correct this inaccurate and unfair report.

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