Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: RI
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Unauthorized Third-Party Access to Personal Financial Information Dear Sir/Madam, I am writing to bring to your attention a concerning matter regarding the unauthorized access and handling of my personal financial information by a third-party vendor, as stated in an email received from Experian, a credit reporting agency XXXX This unauthorized access and involvement raise serious concerns regarding the privacy and security of my personal information, as well as potential violations of consumer rights. 

In the email received from Experian, they outlined their process for validating disputed items on my credit report. It was stated that Experian may contact the furnisher of information or a vendor that collected the information from a public records source to notify them of the dispute and request verification. I was taken aback by this information as I have never provided any permission or authorization for a third-party vendor or data furnisher to participate in the dispute process on my behalf. I have not granted any signed power of attorney or approval for such involvement. 

I am deeply concerned about how these vendors or data furnishers have included themselves in the dispute process and obtained access to my personal and private financial information without my knowledge or consent. It is alarming that these entities have not reached out to me to request my permission or provided any explanation regarding their involvement. As a consumer, I have the right to know which vendors are included in this process, what information they have accessed, and how they have determined the validity of my dispute claims. 

Furthermore, I would like to understand the nature of the relationship between these vendors and the financial institutions involved. Are the financial institutions providing my personal and private financial information to these vendors without my permission? This raises significant concerns about the potential breach of my privacy and the security of my sensitive information. It also begs the question of whether any unauthorized person could approach these financial institutions, claim association with a third-party organization, and gain access to my personal and private financial information. 

I want to emphasize that I do not grant any permission or consent to any third-party working alongside Experian to participate in the dispute process or obtain my personal and private non-public information. I expect Experian to provide a detailed explanation of their involvement with these vendors, the information shared, and the basis for determining the validity of my dispute claims. 

Additionally, I would like to bring to your attention the concerning conduct of Experian in relation to the mistakes on my credit report. Despite my efforts to rectify the errors and address numerous discrepancies, Experian has not taken appropriate action. I have discovered multiple Social Security numbers and numerous incorrect addresses associated with my credit report. These inaccuracies have had a detrimental impact on my credit score, which I believe to be a form of retaliation for my attempts to rectify the situation. 

I kindly request your intervention and assistance in this matter. I urge the Federal Trade Commission, the Consumer Financial Protection Bureau, and all relevant agencies to investigate these concerns promptly. I seek a thorough examination of Experian 's practices, the involvement of third-party vendors, and the unauthorized access to personal financial information. 

I appreciate your attention to this matter and look forward to a swift resolution that safeguards consumer rights and ensures the protection of personal information. Please feel free to contact me should you require any further information or documentation to proceed with the investigation. 

Thank you for your prompt attention. 

Sincerely, 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 non-monetary relief