Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

**Subject : Immediate Demand for Deletion of XXXX XXXX Account and Compliance with Consumer Protection Laws** To All Reporting Agencies : I am writing to express my deep frustration and anger over your blatant disregard for the privacy rights and protections afforded to me under federal law. On XX/XX/year>, XXXX XXXX issued an opt-out notice regarding the disclosure of information on my account. Despite this, your agency continues to unlawfully list my XXXX XXXX account and related transactions on my credit report. This is a clear violation of the opt-out directive and is in direct conflict with the Gramm-Leach-Bliley Act ( GLBA ), which is designed to protect consumer privacy.

I demand that you immediately stop aiding and enabling XXXX XXXX and other such entities in breaking the law. By continuing to report this information, you are not only violating my rights but also becoming an accessory to their illegal actions. Your continued negligence is causing me severe stress, hindering my ability to care for my family, and contributing to my financial downfall. As a credit reporting agency, your primary obligation is to report accurate information to the maximum extent possible, as required by the Fair Credit Reporting Act ( FCRA ). Instead, you are allowing yourselves to be manipulated by companies that prioritize their financial gain over consumer rights and protections. 

I am fully aware that these companies, including XXXX XXXX, pay credit reporting agencies substantial sums to report consumer data. However, your agency 's complicity in this practice is unacceptable and directly contradicts the laws designed to protect consumers from such abuse. By continuing to furnish this unverified and legally barred information, you are contributing to a system that pushes consumers deeper into debt, causing significant harm and undue hardship. 

If you do not immediately delete the XXXX XXXX account from my credit report and cease all related reporting activities, I will have no choice but to seek legal counsel. I will pursue all available legal remedies to hold your agency accountable for your role in this violation of the Gramm-Leach-Bliley Act and my privacy rights. You must understand that the GLBA was put in place to protect consumers, not to provide a loophole for financial institutions to exploit and manipulate consumer information for their benefit. 

The law requires that if an account is not to be reported due to an opt-out or privacy directive, the credit reporting agency must either mark it as " paid as agreed '' or delete the entire account from the report. Your failure to comply with this legal requirement is not only a violation of my rights but also a flagrant abuse of the trust that consumers place in your agency to report accurate and fair information. 

I demand that you immediately delete the XXXX XXXX account from my credit report. Failure to comply with this demand will result in immediate legal action. I will not hesitate to hold your agency accountable for the severe stress and financial harm you are causing me by aiding and abetting XXXX XXXX in this violation of my rights. 

Enclosed with this letter is a copy of my complaint, including the opt-out notice from XXXX XXXX XXXX I expect a prompt and complete resolution to this matter within 10 days of receipt of this letter. 

I strongly urge you to take this matter seriously and adhere to the laws designed to protect consumers. Your agency 's role is to ensure the accuracy of the information reported, not to enable companies to exploit consumers for profit. 

Sincerely, XXXX XXXX