Consumer complaint received 2024-03-17
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. (LA)

Re : 15 U.S.C 1681 Violations-Knowingly providing false identity information to third parties Dear CFPB, Experian Information Solutions , Inc. , is in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.Code 1681s2 ( A ) ( 1 ) A, 15 U.S.Code 1681 ( e ), 15 U.S.Code 1681 for providing and continuing to provide false and inaccurate Identity information for inquiries to third parties on the dates shown below, and as recorded in the soft inquiries section of my consumer report views for the WHO HAS VIEWED YOUR CONSUMER INFORMATION : CONSUMER REPORT VIEWS SOFT INQUIRIES of my EXPERIAN credit report. 

EXPERIAN is knowingly providing false and inaccurate identity information for INQUIRIES made by third parties : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Inquiry dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN is knowingly providing false and inaccurate identity information for INQUIRIES made to EXPERIAN XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX Inquiry dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to the dates listed above, EXPERIAN provided false and inaccurate phone, cellular-phone, and banking account information for INQUIRIES to EXPERIAN XXXX XXXX XXXX XXXX XXXX CA XXXX No phone # available Inquiry dates : XXXX XXXX In addition to the dates listed above, EXPERIAN provided false and inaccurate identity information for INQUIRIES to EXPERIAN XXXX XXXX XXXX XXXX XXXX CA XXXX No phone # available Inquiry dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, to the dates listed above, EXPERIAN provided false and inaccurate identity information for INQUIRIES to EXPERIAN XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX Inquiry dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to the dates listed above, EXPERIAN also provided false and inaccurate phone, cellular-phone, and banking account information for INQUIRIES to EXPERIAN XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX Inquiry dates : XXXX | In addition to the dates listed above, EXPERIAN provided false and inaccurate phone, cellular-phone, and banking account information for INQUIRIES to EXPERIAN XXXX XXXX XXXX XXXX XXXX CA XXXX No phone # available Inquiry dates : XXXX | The following phone numbers, banking numbers , cellular numbers continue being provided by EXPERIAN to third parties for identity verification purposes despite having not belonging to me and after informing EXPERIAN, or Experian Information Solutions Inc. of these inaccuracies. 

INACCURATE PHONE NUMBER FROM XXXX LOUISIANA ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX INACCURATE CELLULAR PHONE IDENTIFIERS NUMBERS XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX INACCURATE BANKING ACCOUNT INFORMATION XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Multiple notices have been sent to EXPERIAN regarding these inaccurate accounts, and phone numbers explaining to EXPERIAN that the information that they are providing is incorrect. However, Experian continues to provide false unidentified information as part of my identity. 

EXPERIAN has failed to provide the SOURCE of this information. 
EXPERIAN has and has failed to provide WHO reported this information to them. 
EXPERIAN has failed to state WHERE they received this information from. 
EXPERIAN has failed to provide the DATES that the incorrect information was acquired. 

This request is being made with the assurance that any refusal or failure to appropriately correct the misinformation and provide the source where such information was procured will result in further action to remedy and protect my consumer rights. Full cooperation of CFPB in stopping these violations from continuing to persist is expected in accord with the standards outlined in the FCRA 15 USC 1681. Thank you.

15 U.S.Code 1681s2 ( A ) ( 1 ) A, provides that A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.Code 1681 ( e ) provides that Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

15 U.S.Code 1681n - Civil liability for willful noncompliance provides that Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 15 U.S. Code 1681o - Civil liability for negligent noncompliance provides that Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure.