Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a complaint against XXXX for violations of several provisions of the Code of Federal Regulations ( CFR ). Specifically, XXXX And Experian has reported inaccurate information about me to credit reporting agencies, failed to comply with the Fair Credit Reporting Act ( FCRA ), and did not verify information correctly. I'm currently in Litigation with XXXX XXXX and they refuse to stop reporting false information. I'm not late on my payments because I do not owe Ally anything which is why we're in Arbitration now, Ally has removed the car from their site so there is no way to make a payment even if did OWE! see attached. 
As stated in 12 CFR 1022.40, credit reporting agencies must provide accurate information and correct inaccuracies in a timely manner. However, XXXX and Experian has failed to do so. Their reports contain information that inaccurately portrays my creditworthiness and financial behavior. This has caused considerable damage to my credit score and has led to denials for loans and other financial products. 
Moreover, under 12 CFR 1022.41, XXXX and Experian is required to maintain reasonable procedures to ensure maximum possible accuracy of the information it reports. As such, they must take steps to verify the accuracy of the information they receive before reporting it. However, in my case, I have never given XXXX or Experian written or verbal permission to collect and report my personal and financial information. Thus, their reports contain unverified and unauthorized data, which violates the provisions of the FCRA ( 15 USC 1681 ).

Furthermore, under 12 CFR 1022.42, XXXX and Experian has specific obligations to investigate disputes of information reported to credit reporting agencies. When I tried to dispute the inaccurate information, they failed to properly and promptly investigate and correct it. 
In conclusion, XXXX 's and Experian actions violate the CFR provisions and FCRA requirements. I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX complies with the law and corrects the damages it has caused to my credit and reputation. 
XXXX, I do not consent to your request for a copy of my Social Security Number card pursuant to the Fair Credit Reporting Act ( FCRA ) and the Code of Federal Regulations ( CFR ). 
Under section 603 ( d ) ( 2 ) ( A ) ( iii ) of the FCRA, you may obtain a copy of my Social Security Number card if the information is otherwise required by law. However, there is no law that requires me to provide you with a copy of my Social Security Number card.

Further, Section 610 ( a ) ( 1 ) of the FCRA limits access to consumer reports to a select number of permissible purposes. These purposes do not include obtaining a copy of a Social Security Number card. Furthermore, as per the CFR Title 16, Section 682.3 ( b ), you must not request information from consumers that is not necessary to verify their identity. Therefore, since my utility bill does not contain any information that is necessary to verify my identity, I am not obliged to provide you with a copy of it.

. Attached is my photo ID.

Additionally, 16 CFR 681.1 ( a ) ( 1 ) requires that you obtain written consent from me before obtaining any sort of consumer report. My consent only extends to obtaining a consumer report that does not include a copy of my Social Security Number card.

As such, I hereby inform you that you have no right to request or obtain a copy of my Social Security Number card. Any attempt to do so without my explicit written consent would be a violation of the FCRA and the CFR and may result in legal action against your company.

If this is not corrected I will take lawful action against your corporation.

for purposely violating my rights.

Thank you for your prompt attention to this matter.

XXXX XXXX

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