Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear Sir/Madam, I am writing to bring to your attention several consumer violations that I have recently encountered, which are in violation of the following statutes : 15 USC 6802 ( Privacy Act of 1974 ), 15 USC 1681e , 16 CFR 433.2, and 15 USC 1666b . These violations have caused significant harm and inconvenience to me as a consumer, and I believe it is important to report them to your agency for investigation and appropriate action.

Firstly, I would like to address the violation of 15 USC 6802, the Privacy Act of 1974. I have reason to believe that a company or entity has mishandled my personal information, resulting in a breach of my privacy rights. This breach has exposed my sensitive information to unauthorized individuals, putting me at risk of identity theft and other fraudulent activities. I request that the Consumer Financial Protection Bureau ( CFPB ) thoroughly investigate this matter and take appropriate action against the responsible party. 

Secondly, I would like to bring to your attention the violation of 15 USC 1681e. I have recently discovered that a credit reporting agency has inaccurately reported information about my credit history. This erroneous reporting has had a negative impact on my credit score and has hindered my ability to obtain credit or secure favorable terms on loans. I urge the CFPB to investigate this matter and ensure that the credit reporting agency rectifies the inaccuracies in a timely manner. 

Furthermore, I would like to highlight the violation of 16 CFR 433.2. I have been subjected to unfair and deceptive practices by a debt collector. This debt collector has engaged in harassing and abusive behavior, making false statements and threats in an attempt to collect a debt. Such practices are in clear violation of the Fair Debt Collection Practices Act, and I request that the CFPB take immediate action to address this misconduct and protect consumers from further harm. 

Lastly, I would like to address the violation of 15 USC 1666b. I have recently discovered that a financial institution has engaged in unfair and deceptive practices in connection with a credit card account. This institution has imposed unjustified fees and charges, failed to provide accurate and timely billing statements, and engaged in other deceptive practices that have resulted in financial harm to me as a consumer. I urge the CFPB to investigate this matter and hold the financial institution accountable for its actions. 

I have attached supporting documentation, including copies of relevant correspondence, statements, and any other evidence that substantiates my claims. I kindly request that the CFPB thoroughly review this information and take appropriate action to address these consumer violations. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will diligently investigate these violations and take the necessary steps to protect consumers ' rights. I look forward to receiving updates on the progress of this investigation and any actions taken to rectify the harm caused. 

Thank you for your prompt attention to this matter. 

Sincerely,

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