Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: NY
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:
Re : Defamation Of Character To whom it may concern, This is about the consumer report received via mail on XX/XX/2022. While going through the same, I came to know about a few inaccuracies and even some fraudulent information that was reporting in it. 

According to 15 USC 1681 ( a ) ( 2 ) of the Fair Credit Reporting Act states an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

Your company Experian falsely reported information that resulted in defamation of my character. Furthermore, your company created deceptive forms that made creditors and employers believe that these were valid debts and I owe these alleged debts and was not able to pay, Though you could not prove its validity. 
As a result, I was discriminated against and denied my right to extend credit. I suffered emotionally as well as from financial hardship. 

Your company is liable according to the Fair Credit Reporting Act 15 USC 1681o. 
I communicated with your company XX/XX/2022 to dispute this information reported. After your reinvestigation your company stated your results were verified as accurate however you have a duty to investigate anything immediately that is reported to you to determine if the reported information is inaccurate. 

No such investigation was conducted by your company ever. Your company never communicated to verify and validate if this information being reported to you that you furnished on my consumer report was accurate. 
And cause you did not do this it is impossible that your reinvestigation could provide your findings reported as accurate. 

Furthermore, your company violated my rights to consent and privacy when you conducted that investigation when this information was first reported to you to you and you did not contact me to determine if this reported information was accurate, your company XXXX did not communicate with me to know if I consented to any of these transactions or this report. 

This is a violation of 15 USC 1681 ( a ) ( 4 ) of the Fair Credit Reporting Act which states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY and RESPECT for a consumers RIGHT to PRIVACY.

As a consumer Reporting agency and financial institution as per 15 USC 6827 ( 4 ) ( A ) of the Gramm-Leach-Bliley Act which states in general the term financial institution any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust or other financial accounts or relationship with the institution.

You are in violation of 15 USC 94 ( a ) ( 1 ) your company XXXX made false and fictitious statements to obtain my vital information without my consent and privacy, also provided my information to third party for Prequalification Offers and Soft Inquiries from companies such as XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX  none of whom I ever extended credit to and entered into a consumer credit transaction with nor gave consent to have access to my non public personal information. 

Your company is in violation of 15 USC 94 ( a ) ( 2 ) no consumer credit transaction that includes my personal non public information shall not be reported on my consumer report. Your company has not only infringed my right to consent and privacy also violated multiple federal laws.

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