Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Complaint for XXXX XXXX XXXX 15 U.S. Code 1681n I am writing this complaint to notify you of serious violations committed by your agencies regarding my credit report. These actions are in direct contravention of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681n for willful non-compliance. 

**Inaccurate Reporting of XXXX XXXX XXXX The reporting of " XXXX days late '' and " XXXX XX/XX/XXXX days late : XXXX '' and " Additional Adverse remarks '' related to my XXXX XXXXXXXX XXXX XXXXccount is both inaccurate and unlawful. 

1. **Violation of 15 U.S. Code 1681a - Definitions ; rules of construction Exclusions** - Your agency has reported a transaction history which, according to 15 U.S. Code 1681a ( A ) ( i ), is illegal. 

2. **Violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports** - No written instructions were provided by me to include these details in my consumer report, thus violating this section. 

3. **Violation of 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports** - The inclusion of adverse remarks other than records of convictions of crimes is a direct violation of this section.

4. **Violation of 15 U.S. Code 1681e - Compliance procedures** - Your actions demonstrate a blatant disregard for reasonable procedures to ensure accuracy and lawful purpose, as required by this section.

5. **Violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies** - These inaccuracies were furnished with either actual knowledge of errors or with negligent disregard for the truth, both of which violate this section. 

6. In my previous correspondence, I requested the method of verification for disputed items on my credit report, as is my right under the FCRA. Specifically, I asked for : Printed documentation of verification Names and positions of individuals who performed the verification The time and date of verification Wet ink signatures confirming the accuracy Company name and how the company validated the accuracy As of today, you have failed to provide this crucial information within the mandated timeframe.

According to the FCRA, this failure to provide the method of verification within the stipulated timeframe necessitates the permanent deletion of these disputed items.

7. In addition, under the Privacy Act of 1974 ( 5 U.S. Code 552a ), no agency may disclose any record contained in a system of records without prior written consent or request by the individual to whom the record pertains. In the absence of my written consent, your actions are a direct violation of this act. Specifically, the term " record '' includes but is not limited to my education, financial transactions, medical history, and criminal or employment history.

Under 12 CFR 1016, you are required to provide a privacy notice outlining your practices before sharing my information with non-affiliated third parties. I was never provided with such a notice nor given the option to opt-out of such disclosure.

In my previous correspondence, I formally opted out of further sharing of my nonpublic personal information with nonaffiliated third parties. As per 12 CFR 1016.7, you must comply with this opt-out direction. 

Failure to comply with these requests will force me to take legal action, in addition to reporting the violations to appropriate regulatory agencies, Federal Trade Commission.

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