Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I am writing to file a formal complaint against XXXX, XXXX, and Experian regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, it has become evident that these credit reporting agencies have failed to fulfill their obligations under the FCRA, thereby infringing upon my rights as a consumer. 

The FCRA explicitly defines a consumer report as excluding transactions and experiences. However, I have observed that these agencies have been including transactions and experiences, such as late payments and remarks, in my credit report. Not only are these items not supposed to be included, but I have not provided written authorization to the creditors to furnish this private and personal information, as mandated by the privacy notice regulations outlined in the Gramm-Leach-Bliley Act ( GLBA ). 

I believe that the inclusion of such information in my credit report is an infringement upon my privacy and is being utilized to exert control over my personal and private life. These unauthorized additions are resulting in negative items and remarks on my credit report, which should not have been present in the first place. 

Furthermore, I would like to bring to your attention that the name " XXXX XXXX XXXX '' is currently pending trademark registration. As the trademark owner, I hereby assert that XXXX, Experian, and XXXX are only authorized to furnish balances connected to my daily commerce activities and to contact me, the consumer and trademark owner, regarding the use of my Social Security Number ( SSN ) for information furnishing purposes. However, this authorization must be granted through written communication, not electronic, email, or phone correspondence. I expect these agencies to adhere strictly to these guidelines and await my approval response before furnishing any information without my explicit consent. 

In light of these violations, I am notifying you that I will be filing a Form 56 with the Internal Revenue Service ( IRS ) to establish our fiduciary relationship. This action is necessary as these credit agencies have taken it upon themselves to report financial data on my behalf without my authorization. 

Any inaccuracies in reporting or unauthorized reporting by the creditors, past or future, or the credit reporting agencies, will be reported to the IRS, Federal Trade Commission ( FTC ), XXXX XXXX XXXX XXXX XXXX  ), and may even lead to litigation for breach of contract, if deemed necessary. 

I am eager to establish a competent fiduciary relationship with these creditors and agencies, provided that they operate in full compliance with the law and refrain from misusing or utilizing my private information, trademark, or credit report without my explicit handwritten authorization. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address these grievances and ensure that consumer rights are upheld.