Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

Dear Sir/Madam, I am reaching out to address a dispute concerning the recent response provided by XXXX XXXX XXXX XXXX regarding the unauthorized sharing of my personal information. I find it necessary to contest the stance taken by XXXX XXXX XXXX XXXX, particularly their assertion that consumers lack the option to withdraw their consent for credit reporting, which directly contradicts the information delineated in their own terms and conditions. 

In perusing XXXX XXXX XXXX XXXX 's terms and conditions, I discovered a clause explicitly stating that individuals retain the right to withdraw their consent at any given time. This withdrawal process can be initiated by contacting XXXX XXXX XXXX XXXX either through email at XXXX or via regular mail at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. It's paramount to note that this withdrawal of consent may potentially affect the services provided by XXXX XXXX XXXX XXXX, as specified in their terms and conditions. Therefore, it is evident that consumers possess the prerogative to revoke their consent for specific services, including the sharing of personal information with credit reporting agencies. 

Moreover, XXXX XXXX XXXX XXXX 's assertion that consumers lack the option to opt out of credit reporting is misleading. Despite not being classified as a traditional consumer reporting agency, XXXX XXXX XXXX XXXX falls under the purview of the Fair Credit Reporting Act ( FCRA ) as a data furnisher. Consequently, it is bound by the same obligations concerning the accuracy, fairness, and privacy of the information it furnishes to credit reporting agencies. Section 1681b of the FCRA expressly mandates that consumer reporting agencies may furnish consumer reports solely in accordance with the written instructions of the concerned consumer. Therefore, it is unequivocal that consumers possess the right to withdraw their consent for the dissemination of their personal information, as explicitly stated in XXXX XXXX XXXX XXXX 's terms and conditions. 

Given these discrepancies, I implore XXXX XXXX XXXX XXXX to conduct a thorough review of its policies and practices to ensure strict adherence to the FCRA and other pertinent regulations governing consumer privacy and fair credit reporting. Additionally, I seek elucidation on the process for withdrawing consent and seek assurance that consumers ' rights concerning the management of their information will be respected. 

Furthermore, I am compelled to urgently request the immediate removal of certain personal information from my credit report, which has been disseminated without my consent by XXXX XXXX XXXX XXXX. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I demand the prompt removal of this unauthorized information from my credit report. The inclusion of such information without my explicit consent represents a violation of my privacy rights as delineated in the FCRA. 

Specifically, I am requesting the expeditious removal of all transactional information and any other personal data that XXXX XXXX XXXX XXXX has reported to the credit reporting agencies without my explicit authorization. This encompasses any account details, late payments, or derogatory marks that have been added to my credit report sans my explicit consent. I anticipate that XXXX XXXX XXXX XXXX will take immediate and decisive action to rectify this matter and uphold the accuracy and integrity of my credit report. 

Failure to comply with this urgent request will compel me to pursue further action to safeguard my rights under the FCRA and seek appropriate remedies for any damages incurred as a result of the unauthorized dissemination of my personal information. I kindly request confirmation in writing once the unauthorized information has been expunged from my credit report to my satisfaction. 

Yours sincerely, XXXX