Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: DE
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 : Alleged Fraud, Violation of Consumer Rights, and Inaccurate Information on Credit Report Thorough Investigation into the Acquisition of Fraudulent and Inaccurate Information from Third-Party Creditors I write and address serious concerns regarding the credit reporting practices of your consumer reporting agency. As an esteemed well-versed in the intricacies of consumer rights and protection, it is incumbent upon me to protect the interests and well-being of my integrity to the fullest extent permissible under the law.

In light of the allegations regarding the fraudulent inclusion of information from third-party creditors on their credit report, it is of paramount importance that a thorough examination be undertaken to ascertain the precise steps taken by your institution to validate the accuracy and veracity of the information in question. To this end, I kindly request that you provide a comprehensive and detailed account of the procedures, protocols, and mechanisms employed to acquire and verify the information attributed to these third-party creditors.

Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 ( 5 ) ( A ), I have the unequivocal right to request that any information on their credit report which is inaccurate,
incomplete, or unverifiable be promptly deleted in order to ensure the accuracy and integrity of their credit profile. It is of paramount importance that you fulfill this legal obligation as delineated in the aforementioned provision.

Drawing reference from FCRA 15 USC Section 1681i, it is evident that any information contained within the credit report must be accurate. In this instance, I have identified discrepancies and inaccuracies within the report, thereby necessitating the immediate rectification of these deficiencies.

Moreover, FCRA 1681a ( 2 ) A ( i ) posits that credit reports must solely encompass information regarding transactions or experiences between the consumer and the entity responsible for reporting such activities. Therefore, any extraneous or irrelevant information must be expunged from my credit report promptly. 

With the utmost regard for personal privacy and consent, as assured by 15 USC 1681 Section 602, I affirm right to privacy and non-consensual dissemination of personal information to third parties. It is therefore imperative that you conform to these statutory provisions and refrain from disclosing my information without their explicit written authorization.

In alignment with 15 USC 1681 Section 604 subsection 2, it is unequivocally stated that no consumer reporting agen
cy, such as yourself, may furnish an account without prior written instructions from the consumer. I emphasize that I HAVE NOT provided written instructions to Experian and XXXX in any form, rendering any disclosure by your institution a clear violation of their statutory rights under the FCRA. 
Furthermore, in reference to 15 USC 1666B, it is explicitly outlined that a creditor may not classify a payment on a credit card account as late within an open end consumer plan for any purpose. ANY attempts to do so would constitute a serious breach of the law and a detrimental infringement upon my rights as a consumer. 

I also kindly request that you provide me with any pertinent information regarding past lawsuits or legal actions initiated against your AGENY due to fraudulent practices on consumer credit reports. Such documentation will prove invaluable in assessing the extent of your legal liabilities. 

It is incumbent upon your agency to meticulously outline the specific actions taken to authenticate the reliability and credibility of the information procured from these third-party creditors. I demand an exhaustive, step-by-step account of the measures implemented to ensure the accuracy and integrity of the information before its inclusion in their credit report. Furthermore, please clarify the nature of the relationship between you company and these third-party creditors, including any contractual agreements, financial arrangements, or affiliations that facilitate the exchange of consumer data.

In the interest of transparency and clarity, it is essential that you disclose the details of any individuals, companies, or entities directly involved in the alleged fraudulent scheme. I intend to build a compelling case based on irrefutable evidence, incorporating the relevant provisions of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) other pertinent consumer protection laws. Therefore, any information pertaining to the identity of those responsible for perpetrating or facilitating this wrongdoing will greatly contribute to the efficacy and strength of our legal proceedings. Please understand that I am fully aware of my rights as a consumer and are determined to protect MY rights vigilantly. 

I also write to formally requesting a comprehensive and meticulous investigation into the origin, acquisition, and dissemination of fraudulent and inaccurate information attributed to third-party creditors on my credit report. I strive to ensure that I protect my rights and they are upheld with the utmost rigor and dedication. 

In your response, I implore you to employ precise and articulate language, adhering to the highest standards expected from a reputable financial institution. The provision of concise and unambiguous explanations, utilizing industry-specific terminology, will facilitate my understanding of the intricacies involved in this alleged fraudulent scheme. 

Thank you Consumer Financial Protection Bureau ( CFPB ), for keeping track of all the reports that I have sent out to you, as the credit reporting agency has ignored my request, SEVERAL TIMES. They have indeed broken the laws and this letter will be public on social outlets. Therefore, with this information, fines will be granted due to their fraudulent acts.

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