Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
in accordance with a fair credit reporting act XXXX  account XXXX XXXX XXXX amount of XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights : Protection of consumer credit rights XXXX5 66. ( 1 ) A credit provider must not, in response to a consumer exercising, asserting or ( a ) discriminate directly or indirectly against the consumer, compared to the 40 credit providers treatment of any other consumer who has not exercised, asserted or sought to uphold such a right ; ( b ) penalize the consumer ; ( c ) alter, or propose to alter, the terms or conditions of a credit agreement with the consumer, to the detriment of the consumer; or ( d ) take any action to accelerate, enforce, suspend or terminate a credit agreement with the consumer. 
( 2 ) If a credit agreement, or any provision of such an agreement is, in terms of this Act, declared to be unlawful or is severed from the agreement, the credit provider who is a party to that agreement must not, in response to that decision- ( a ) directly or indirectly penalize another party to that agreement when taking any action contemplated in section 61 ( 1 ) ; seeking to uphold any right set out in this Act or in a credit agreementXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ~ ~ ~ ~~ ~ ~~ ~~ Act No. XXXXXXXX XXXX XXXX XXXX XXXX ( b ) alter the terms or conditions of any other credit agreement with another party to the impugned agreement, except to the extent necessary to correct a similarly unlawful provision ; or ( c ) take any action to accelerate, enforce, suspend or terminate another credit agreement with another party to the impugned agreement. XXXX Part B Confidentiality, personal information and consumer credit records Conflicting legislation 67. In the case of an inconsistency between a provision of this Part read with any relevant definition in section 1, and a provision of the Promotion of Access to 10 Information Act, 2000 ( Act No. 2 of 2000 ), the provisions of this Part and that Act apply concurrently, to the extent that the provisions of this Part are not excluded in terms of section 5 of that Act.

Right to confidential treatment 68. ( 1 ) Any person who, in terms of this Act, receives, compiles, retains or reports any 15 confidential information pertaining to a consumer or prospective consumer must protect the confidentiality of that information, and in particular, must- ( a ) use that information only for a purpose permitted or required in terms of this Act, other national legislation or applicable provincial legislation; and ( b ) report or release that information only to the consumer or prospective 20 consumer, or to another person- ( i ) to the extent permitted or required by this Act, other national legislation or applicable provincial legislation; or ( ii ) as directed by- ( aa ) the instructions of the consumer or prospective consumer; or ( bb ) an order of a court or the Tribunal.

in relation to this section, is an offence.

25 ( 2 ) Failure by a credit bureau to comply with a notice issued in terms of section 55,

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