Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: NC
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:
A matter of significant concern related to the Fair Credit Reporting Act ( FCRA ) and its implications on my federally protected consumer rights. 

Pursuant to 15 U.S.C. 1681, I assert that my rights to privacy and confidentiality have been infringed upon by the inclusion of inaccurate information in my credit report. Specifically, the account identified as # XXXX is a clear violation of these rights. 

In accordance with 15 U.S.C. 1681, Section 602A underscores my entitlement to privacy. Additionally, Section 604A, Section 2 of 15 U.S.C. 1681 explicitly prohibits a consumer reporting agency from furnishing an account without my written instructions.

Moreover, Section 5 of 15 U.S.C. 1681c ( a ) ( 5 ) explicitly states that no consume r reporting agency is permitted to include certain types of information in a consumer report, except for records of convictions of crimes that occurred more than seven years before the report.

Lastly, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is mandated that no individual should provide information related to a consumer to any consumer reporting agency if they possess knowledge or reasonable cause to believe that the information is inaccurate. 
Upon a thorough examination of my XXXX, Experian and XXXX credit report, I have identified several accounts that are either not associated with me or are reporting inaccurate information. I have taken the necessary steps to report these discrepancies to the XXXX XXXX XXXX  Of particular concern is the account, names and inquires listed as XXXX XXXX XXXXXXXX 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am hereby requesting your immediate attention to rectify these inaccuracies in compliance with the FCRA. Your cooperation in this matter is crucial to ensuring the accuracy and integrity of my credit report.

I have attached supporting documentation for your review and reference. I anticipate a prompt resolution to this matter. 
Thank you for your prompt attention to this issue. 

Sincerely, 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