Consumer complaint received 2023-12-21
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. (PA)

To whom it may concern, I am writing to bring your esteemed attention to the inaccuracies that have been identified on my credit reports, specifically pertaining to account XXXXXXXX XXXX XXXX XXXX. 

In this particular instance, it has come to my attention that XXXX XXXX XXXX has regrettably failed to accurately report several critical aspects of this account. More specifically, they have misrepresented the payment history, credit limit, and dates of reporting and opening. These discrepancies have led to the generation of an unjustifiably flawed credit score. 

I am cognizant of the provisions outlined in 15 USC 1681i ( 5 ), which mandate the removal of accounts that have been inaccurately reported from credit reports. 

Moreover, I would like to draw your attention to the provisions outlined in 15 USC 6802 ( b ) ( c ), which state that " A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' In this case, XXXX XXXX XXXX has failed to inform me of my right to exercise my nondisclosure option. Additionally, 15 USC 1681C ( a ) ( 5 ) stipulates that " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' The unauthorized reporting of my account falls under the category of an adverse item, which is against the law. 

Furthermore, I would like to clarify that affiliates are companies related by common control, including financial and non-financial entities. XXXX XXXX XXXX affiliates consist of companies with an XXXX name, such as " XXXX XXXX, '' " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX, XXXX, and Experian are not affiliates of XXXX XXXX XXXX, nor are they considered " bureaus '' as defined by federal law. The only recognized credit bureau, as stated in federal law, is the CFPB, which does not furnish consumer reports. 

I hereby revoke any and all consent given to XXXX XXXX XXXX, whether verbal, non-verbal, written, implied, or otherwise. According to the Privacy Act of 1974, the disclosure of a record about an individual from a system of records is prohibited without the written consent of the individual unless the disclosure falls under one of twelve statutory exceptions. Failure to provide all three of these disclosures constitutes a direct violation of the law, granting me, as the consumer, the right to opt out of your reporting services. Since all three disclosures were not met, I am hereby demanding to opt out of having my information reported. 

Furthermore, I request that you adhere to your own terms and conditions by refraining from reporting any of my private information without my full consent as the consumer. 

Please note that this letter serves as formal notice of the aforementioned inaccuracies and violations. I expect prompt action to rectify these issues and ensure that my credit report accurately reflects my financial history. 

Thank you for your immediate attention to this matter.