Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am writing to formally file a complaint against XXXX XXXX XXXX XXXX ( XXXX XXXX ), Experian, XXXX, and XXXX for violations of my rights under the Fair Credit Reporting Act ( FCRA ), Code of Federal Regulations ( CFR ), and Uniform Commercial Code ( UCC ). 

Background : On XX/XX/year>, I sent a formal revocation letter to XXXX XXXX, notifying them that I was revoking any prior authorizations related to the reporting, sharing, or disclosure of my personal and financial information to third parties, including credit reporting agencies, as per my rights under the FCRA and XXXX U.S.C. XXXX. 

Despite my clear request, more than 30 days have passed without a response from XXXX XXXX confirming compliance with my revocation. Additionally, Experian, XXXX, and XXXX have continued to report my credit information without proper authorization during this time. 

Violations : 1. Fair Credit Reporting Act ( FCRA ) Violations XXXX XXXX. XXXX Permissible Purposes of Consumer Reports : XXXX XXXX continued to disclose my consumer report to credit reporting agencies, despite my explicit revocation of authorization, violating the requirement that they only share information for permissible purposes. 

XXXX XXXX. XXXX Identity Theft Prevention and Credit Report Blocking : The ongoing sharing of my information could increase my risk of identity theft. By continuing to report my information to credit reporting agenciesXXXX XXXX XXXX  failed to comply with their obligations under this section. 

XXXX XXXX. XXXX Responsibilities of Furnishers of Information : XXXX XXXX has a duty to furnish accurate and legitimate information to credit reporting agencies. By continuing to report my personal information after my revocation, they have violated this responsibility. Experian, XXXX, and XXXX are equally at fault for continuing to publish this information despite being informed of my revocation. 

2. Code of Federal Regulations ( CFR ) Violations XXXX XXXX XXXX Duties of Furnishers of Information : Generations FCU is obligated to correct or cease reporting any inaccurate or unauthorized information once informed by the consumer. Their failure to comply with my revocation of authorization is a violation of this regulation. Similarly, Experian, XXXX, and XXXX have continued to report inaccurate information. 

XXXX XXXX XXXX Consumer Report Requests and Opt-Outs : I exercised my right to opt out of further reporting of my personal information under this provision. Generations FCUs failure to comply with this request and the continued reporting by Experian, XXXX, and XXXX constitutes a clear violation of this section. 

3. Uniform Commercial Code ( UCC ) Violations UCC Article XXXX - Secured Transactions ( XXXX ) Request for Accounting or List of Collateral : If my personal information was used in secured transactions, such as loans or other financial products, Generations FCUs continued use of my information without my authorization violates this provision of the UCC. 

XXXX XXXX Obligation of Good Faith : XXXX XXXX has an obligation to act in good faith, which includes honoring my revocation of authorization. Their continued use and reporting of my information breaches this duty, as do the actions of Experian, XXXX, and XXXX in processing and reporting my personal information without proper authorization. 

XXXX XXXX Remedies for Secured Partys Failure to Comply : Generations FCUs non-compliance with my request may entitle me to remedies under this section. The continued unauthorized reporting of my personal financial information has adversely affected my standing as a debtor, and the credit reporting agencies are also responsible for this violation. 

Noncompliance of Credit Reporting Agencies : Experian, XXXX, and XXXX continued to report my personal financial information despite my revocation of authorization. This noncompliance demonstrates their failure to : Cease unauthorized reporting of my personal information under the FCRA ( XXXX XXXX. XXXX ). 
Properly update or correct my credit information as required under the CFR ( XXXX CFR XXXX ). 
Honor their responsibilities as data furnishers and processors by continuing to report information despite the lack of a permissible purpose under the FCRA. 
Request for Action : I respectfully request that the Consumer Financial Protection Bureau : Investigate the aforementioned violations by XXXX  XXXX, Experian, XXXX, and XXXX. 
Ensure that XXXX  XXXX and the credit reporting agencies cease reporting my personal information and correct any inaccuracies caused by this unauthorized reporting. 
Pursue any applicable penalties or enforcement actions against the involved parties for non-compliance with federal laws and regulations. 
Thank you for your prompt attention to this matter. I look forward to your response and resolution.