Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have new information concerning Experian 's continued reporting of a bankruptcy without my consent. Experian 's response has revealed several other infractions of various laws which I will outline below. I also have several questions for Experian to answer. Fact, I submitted a complaint via to the CFPB that Experian is reporting a bankruptcy on my consumer report without my consent or permission which is a violation of 15 USC 1681 ( a ) ( 4 ). Fact, the unauthorized reporting of the bankruptcy has caused me to be denied for a HELOC valued at {$250000.00}. A copy of the adverse action letter is attached. Fact, Experian response outlines their willingness to ignore my concerns regarding the furnishing of unauthorized information on my report. Fact, Experian did not perform a reasonable reinvestigation. Fact, My original complaint did not request a reinvestigation. Fact, Experian asked a " vendor '' to reconfirm the information that same vendor provided is " accurate. '' I've done some research and found that the FCRA defines " accuracy '' only pertaining to an " account or other relationship '' with the furnisher of the information. Fact, I have no account or other relationship with any vendor. Who is the vendor Experian is referring to? Provide me with the full name, address, email, phone, and point of contact for the vendor. Also, a vendor is someone who sells something, correct? Experian confirms that they use a vendor to obtain public record information on consumers without their consent. Is Experian paying for this information? Is the vendor selling my information to Experian? Fact, my right to publicity protects me from the unauthorized use of my name and likeness for commercial use. A quick search on XXXX reveals that 'Commercial use ' has been defined as " any reproduction or purpose that is marketed, promoted, or sold and incorporates a financial transaction. '' The selling and buying of my name and/or public record is a commercial transaction for which I have not given my authorization, nor have I signed a contract with Experian giving Experian permission to sell or buy my information. Under the Freedom of Information Act, I request that you provide me with the contract between Experian, myself, and the " vendor '' authorizing the commercial use of my name and likeness for your financial gain. Failure to provide me with such contract means you have violated my right to publicity. Lastly, I found the Gramm Leach Bliley Act defines Experian and all consumer reporting agencies as financial institutions, who must provide their customers with a privacy notice and a description of how I may opt-out of such reporting. Even though I clearly outlined that I did not give my consent to the reporting a bankruptcy, Experian did not and has not provided me with any privacy notice, nor have they offered me any information on how I may opt-out of the reporting of my information. This is a violation of the privacy act. I take my reputation very seriously. This caused undue stress and mental anguish. My previous dispute is attached. Experian 's previous response is attached. CFPB 's report demonstrating the consumer reporting agency 's unwillingness to offer substantiate responses is attached.

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