Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to file a formal complaint against XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX  US DEPARTMENT OF EDU Account # XXXX, for violations of my rights under the Fair Credit Reporting Act ( FCRA ). As outlined in the FCRA, specifically 15 U.S.C. 1681, has egregiously infringed upon my rights in the following ways : Right to Privacy : Pursuant to 15 U.S.C. 1681a, Section 602 ( A ) of the FCRA guarantees consumers the right to privacy regarding their credit information. However, XXXXXXXX XXXX  Account # XXXX, XXXX  XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, US DEPARTMENT OF EDU Account # XXXX has evidently failed to uphold this fundamental right by mishandling and improperly disclosing my personal credit information. This breach of privacy has caused me significant distress and concern about the security of my sensitive financial data. 

Failure to Obtain Written Instructions : According to 15 U.S.C. 1681b, Section 604 ( A ) ( 2 ) of the FCRA, consumer reporting agencies are explicitly prohibited from furnishing credit information without obtaining written instructions from the consumer. Despite this clear mandate, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, US DEPARTMENT OF EDU Account XXXX XXXX has negligently reported information about my account without obtaining my explicit written consent. This violation undermines the integrity of the credit reporting process and jeopardizes my ability to control the dissemination of my credit information. 

I am deeply troubled by these company 's blatant disregard for my rights under the FCRA and the potential adverse consequences this may have on my financial well-being. Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take swift corrective action against XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, US DEPARTMENT OF EDU Account # XXXX to ensure compliance with the FCRA. 

Enclosed with this letter, please find supporting documentation, including relevant credit reports, correspondence with XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account XXXX XXXX, US DEPARTMENT OF EDU Account # XXXX, and any other pertinent evidence substantiating my claims. 

Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will act decisively to protect consumers ' rights and uphold the principles of fairness and transparency in credit reporting practices. 

Should you require any further information or assistance, please do not hesitate to contact me at the above-listed contact information.