Consumer complaint received 2023-12-14
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:
To Whom It May Concern, I am writing to dispute information in my consumer report provided by your agency. Upon reviewing my report, I discovered non-public information about me has been disclosed to a non-affiliated third party without my written consent, possibly violating the provisions outlined in 15 USC 6802. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to be informed about and control the disclosure of my personal information. The non-affiliated third-party disclosure raises concerns about my privacy rights, as I was never given the option to opt-out, as mandated by law. 

I observed that certain accounts, specifically those associated with [ Creditor Names ], are being reported without my written consent. I want to clarify that my dispute lies with your reporting agency for disclosing and reporting information without proper authorization, not with the creditors. 

Referring to 15 USC 1681b - Permissible Purpose, I note that a consumer 's written consent is required for the reporting of personal information. To date, I have not provided such consent, and I request proof of my consent to ensure compliance with this legal requirement. Failure to provide this evidence could be considered a violation of my FCRA rights. 

I have also filed a report with the Federal Trade Commission ( FTC ) regarding this matter, with complaint reference number XXXX. I believe the unauthorized disclosure and reporting of my personal information may constitute a violation under 18 USC 1028a, akin to identity theft. 

In accordance with 15 USC 1681c-2, I formally request the removal of the following accounts from my consumer report within four business days from the date of this letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I also request the removal of the unauthorized inquiries from XXXX XXXX XXXX XXXXXXXX on the following dates : Inquiry date XXXX XXXX, XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XXXX XXXX, XXXX I assert my right to a fair and accurate credit reporting process, and I believe prompt removal of these accounts is essential to rectify reported inaccuracies. 

Furthermore, I request documentation regarding your method of verification for the disputed accounts and proof that I was given the option to opt out of the reported information. This ensures your reporting agency adheres to necessary standards for accuracy and fairness in credit reporting. 

I expect your prompt attention to this matter and the resolution of my dispute within the specified time frame of four business days. Failure to comply with FCRA provisions may result in further legal action. 

Thank you for your immediate attention to this matter.

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