Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX ( Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX Experian Attn. : Consumer Relations XX/XX/2022 To Whom It May Concern, On XX/XX/2022, you received a letter I wrote to you requesting an investigation into items that I believed were INNACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : My only address is XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, FL XXXX. 

You need to provide the signed document stating, I authorized these accounts to be furnished on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Per 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purpose of consumer reports, Experian can only furnish a consumer report, on me the consumer in accordance with the written instruction, and I HAVE NEVER PROVIDED YOU A WRITTEN INSTRUCTION TO DO SO! You are in violation! Under 15 U.S. Code 1681e ( a ), no consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for aa purpose listed in section 1681b of this title.

Experian, must you solely operate under the regulations and guidelines of the F.C.R.A. and CFPB? Under 15 U.S. Code 1681a ( 2 ) ( b ) - Definitions ; rules of construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to the transactions or experiences between the consumer and person making the report. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give Experian permission to furnish this information on to my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity, and is also a serious breach of my privacy rights 12 CFR Part 1016 Privacy of Consumer Financial Information REGULATION P.

Under 12 CFR 1022.3 ( h ) REGULATION V, have you followed procedure pertaining to the use of another persons identifying information without authority? 

I also understand that you are required to notify me of your investigation results within 30 days from XX/XX/2022, which is XX/XX/2022, and provide me with an updated copy of my credit report. My contact information is provided below. 

Sincerely, XXXX XXXX *************************************************************************************************** XXXX XXXX XXXX ( Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX FL XXXX XXXX XXXX Attn. : Consumer Relations XX/XX/2022 To Whom It May Concern, On XX/XX/2022, you received a letter I wrote to you requesting an investigation into items that I believed were INNACCURATE. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my SECOND request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : My only address is XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, FL XXXX. 

You need to provide the signed document stating, I authorized these accounts to be furnished on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX US TREASURYXXXX XXXX XXXXXXXX Per 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purpose of consumer reports, Experian can only furnish a consumer report, on me the consumer in accordance with the written instruction, and I HAVE NEVER PROVIDED YOU A WRITTEN INSTRUCTION TO DO SO! You are in violation! Under 15 U.S. Code 1681e ( a ), no consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for aa purpose listed in section 1681b of this title.

Experian, must you solely operate under the regulations and guidelines of the F.C.R.A. and CFPB? Under 15 U.S. Code 1681a ( 2 ) ( b ) - Definitions ; rules of construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to the transactions or experiences between the consumer and person making the report. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give Experian permission to furnish this information on to my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity, and is also a serious breach of my privacy rights 12 CFR Part 1016 Privacy of Consumer Financial Information REGULATION P.

Under 12 CFR 1022.3 ( h ) REGULATION V, have you followed procedure pertaining to the use of another persons identifying information without authority? 

I also understand that you are required to notify me of your investigation results within 30 days from XX/XX/2022, which is XX/XX/2022, and provide me with an updated copy of my credit report. My contact information is provided below. 

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 non-monetary relief