Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: GA
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:
I am writing to bring to your attention a matter of utmost importance concerning violations of my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681. 
List of Violating Accounts : 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 These accounts have violated my rights under the FCRA, specifically : * 15 U.S.C 1681 Section 602 A : Right to Privacy - I assert my right to privacy as guaranteed by this section. The unauthorized disclosure of my financial information, as reflected in the accounts listed above, is a direct violation of this right.

* 15 U.S.C 1681 Section 604 A Section 2 : Requirement for Written Instructions - It is evident that these accounts have been furnished without my written instructions or consent. This action is in direct contravention of this section, which safeguards consumers from unauthorized disclosure of their financial information.

* 15 U.S.C 1681c ( a ) ( 5 ) Section : Limitations on Information - The information contained in these accounts exceeds the permissible limitations outlined in this section. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years, is prohibited from inclusion in a consumer report. The presence of these accounts, which contain adverse information beyond the stipulated time frame, constitutes a violation.

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Accuracy of Information - According to this section, any person shall not furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. In the case of the listed accounts, I contend that the information reported is not entirely accurate.

I respectfully request that you investigate these violations promptly and take the necessary actions in accordance with the FCRA to rectify the situation. Specifically, I request that the following actions be taken : * Conduct a thorough investigation into the accuracy, timeliness, and legality of the information reported by the entities associated with the listed accounts.

* If any information is found to be inaccurate, outdated, or in violation of FCRA regulations, please ensure that it is promptly corrected or removed from my consumer report.

* Provide me with a written response detailing the results of your investigation, the actions taken, and any further steps required to rectify these violations.

I believe that a prompt resolution of this matter is essential to protect my consumer rights and maintain the integrity of the credit reporting system. I appreciate your attention to this issue and look forward to receiving your response within the timeframe specified by the FCRA.

Thank you for your assistance in addressing these violations and upholding consumer protection standards.

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