Consumer complaint received 2024-01-06
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. (FL)

I am writing to formally dispute the accuracy of information within my consumer report, as provided by your agency. Upon careful examination, I have discovered that undisclosed personal information about me has been shared with a non-affiliated third party without my explicit written consent, potentially violating the regulations outlined in 15 U.S. Code 6802 - Obligations with Respect to Disclosures of Personal Information. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ), I am entitled to be informed about and control the disclosure of my personal information. The disclosure of such information to a non-affiliated third party raises concerns regarding my privacy rights, as I was not provided the opportunity to opt-out, as mandated by law. 

After thorough review of the report, I observed that specific accounts are being reported without my written consent. It is important to clarify that my dispute lies not with the creditor but with your reporting agency for disseminating and reporting information without proper authorization. 

I refer to 15 USC 1681b - Permissible Purpose, which mandates a consumer 's written consent for the reporting of personal information. Currently, I have not provided such written consent, and I kindly request documentation to validate my consent, demonstrating compliance with this legal requirement. Failure to furnish evidence of my consent could be interpreted as a violation of my rights under the FCRA. 

Additionally, I have lodged a complaint with the Federal Trade Commission ( FTC ) regarding this matter, and the reference number for my complaint is XXXX. I am concerned that the unauthorized disclosure and reporting of my personal information may constitute a violation under 18 USC 1028a, potentially amounting to identity theft.

In accordance with 15 USC 1681c-2, I formally request the removal of the following accounts from my consumer report within four business days from the date of this letter : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Unauthorized Inquiry XXXX XXXXXXXX XXXX Inquiry date : XX/XX/ I assert my right to a fair and accurate credit reporting process, underscoring that the expeditious removal of these accounts is vital to rectifying the reported inaccuracies. 

Furthermore, I request documentation regarding your method of verification for the disputed accounts and records demonstrating proof of my option to opt out of the information being reported in my consumer report. This will ensure that your reporting agency adheres to the necessary standards for accuracy and fairness in credit reporting. 

I anticipate your timely attention to this matter and the resolution of my dispute within the specified timeframe of four business days. Non-compliance with the provisions of the FCRA may result in further legal action. 

Thank you for your immediate attention to this matter.