Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

To Whom It May Concern, Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, Section 602 ( a ), consumer reporting agencies are required to conduct their responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX, Experian, and XXXX, as consumer reporting agencies, have repeatedly failed to comply with these obligations, and their actions are in direct violation of federal law. 
Privacy Violations As a consumer, I have the right to ensure that my private information is not shared without my consent. This right is supported by 15 USC 6801, which obligates financial institutions to respect and protect customers nonpublic personal information. Each violation of this statute may result in fines of up to {$100000.00} per violation. XXXX, Experian, and XXXX have shared my information without my explicit consent, and I hereby revoke any and all prior consents. 
Unauthorized Reporting According to 15 USC 1681, Section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish a report when explicitly authorized by the consumer in writing. Neither XXXX, Experian, nor XXXX has obtained my written consent or any other form of authorizationwhether verbal, written, or impliedto disclose my personal information. I request the immediate cessation of these unauthorized disclosures. Failure to comply with this section can lead to civil penalties of up to {$1000.00} per violation. 
Failure to Provide Disputed Documentation I have disputed multiple accounts on my credit reports, including a bankruptcy, and none of the agenciesXXXX, Experian, or XXXXhas provided any documentation substantiating these accounts. They have failed to supply documents bearing my full legal name and current address as requested. Each time I have disputed these accounts, I have only received a response stating that the accounts were " verified, '' without receiving any of the requested supporting evidence. 
Per 15 USC 1681i, credit reporting agencies are required to conduct reasonable investigations and provide the consumer with supporting documentation. Failure to properly investigate and provide this documentation is a violation of the FCRA, and each instance may result in penalties of {$1000.00} per violation.

Non-Disclosure of Opt-Out Rights Per 15 USC 6802 ( b ) ( c ), financial institutions must inform consumers of their right to opt out of sharing nonpublic personal information with third parties. At no point was I informed of this right by the furnisher of information. Each violation of the XXXX XXXXt can carry penalties of up to {$10000.00} for individuals and {$100000.00} for institutions per violation.

Furnishing Inaccurate Information Under 15 USC 1681s-2 ( A ) ( 1 ), no person should furnish information to a consumer reporting agency if they know, or have reasonable cause to believe, that the information is inaccurate. XXXX, Experian, and XXXX have failed to follow reasonable procedures to prevent these violations, in contravention of 15 USC 1681e, which mandates adherence to section 1681c. Violations under this section may result in fines of {$1000.00} per violation, as well as additional punitive damages for willful noncompliance.

Opt-Out of Reporting Services Lastly, per 12 CFR 1016.7, I have the right to opt out of these services. I am formally exercising my right to opt out of XXXX, Experians, and XXXX reporting services and expect this to be acknowledged. Non-compliance may lead to penalties of up to {$10000.00} per violation.

Summary of Violations and Fees : Unauthorized Sharing of Information ( 15 USC 6801 ) : Up to {$100000.00} per violation.

Unauthorized Reporting ( 15 USC 1681, Section 604 ( a ) ( 2 ) ) : Up to {$1000.00} per violation.

Failure to Investigate/Provide Documentation ( 15 USC 1681i ) : Up to {$1000.00} per violation.

Non-Disclosure of Opt-Out Rights ( 15 USC 6802 ( b ) ( c ) ) : Up to {$10000.00} for individuals, {$100000.00} for institutions per violation.

Furnishing Inaccurate Information ( 15 USC 1681s-2 ( A ) ( 1 ) ) : Up to {$1000.00} per violation.

Failure to Honor Opt-Out Request ( 12 CFR 1016.7 ) : Up to {$10000.00} per violation.

In light of these ongoing violations and failure to comply with federal law, I expect swift action from the Consumer Financial Protection Bureau to ensure my rights are protected, and that these agencies are held accountable for their repeated violations of privacy, reporting laws, and failure to provide documentation.