Consumer complaint received 2023-12-29
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 contest the accuracy of information contained in my consumer report, as provided by your agency. Upon careful review, I discovered that undisclosed personal information about me has been shared with a non-affiliated third party without my explicit written consent. This apparent violation raises concerns regarding my privacy rights and appears to be in contravention of 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 possess the right to be informed about and control the disclosure of my personal information. The disclosure to a non-affiliated third party raises red flags, as I was never given the opportunity to exercise my right to opt-out, as mandated by law. 

Upon closer examination of the report, it has come to my attention that specific accounts are being reported without my explicit written consent. It is imperative to clarify that my dispute is 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 explicitly requires a consumer 's written consent for the reporting of personal information. As of now, I have not granted such written consent, and I kindly request documentation to substantiate my consent, demonstrating compliance with this legal requirement. Failure to furnish evidence of my consent could be construed as a violation of my rights under the FCRA. 

Additionally, I have filed a report with the Federal Trade Commission ( FTC ) concerning 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 constituting 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 XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX Unauthorized Inquiry XXXX XXXX XX/XX/XXXX I affirm my right to a fair and accurate credit reporting process, emphasizing that the swift removal of these accounts is crucial to rectifying the reported inaccuracies. 

Furthermore, I request documentation regarding your method of verification for the disputed accounts and records showing 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 immediate attention to this matter and the resolution of my dispute within the specified time frame 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.