Consumer complaint received 2024-03-03
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. (PA)

Subject : Complaint Against Experian for Refusing to Remove Outdated Personal Information XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Dear Sir/Madam, I am writing to file a formal complaint against Experian regarding their refusal to remove outdated and no longer relevant personal information from my credit report. Despite numerous attempts to have this information corrected or removed, Experian has failed to take appropriate action, which has had a detrimental impact on my credit rating and financial well-being. 

The information in question pertains to Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Names XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, Employers XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX Phone numbers, XXXX, XXXX This information is no longer in use or relevant to my current financial situation, yet Experian has repeatedly refused to update my credit report accordingly. 

I have made multiple requests to Experian both in writing and over the phone, providing documentation to support my claim that this information is outdated. However, Experian has failed to conduct a thorough investigation or take the necessary steps to rectify the inaccuracies on my credit report. 

This refusal to remove incorrect information has unfairly affected my ability to secure credit, loans, and other financial opportunities. I have suffered undue stress and financial hardship as a result of Experian 's negligence in handling my credit information. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for their failure to comply with federal regulations regarding the accuracy of credit reporting. I am seeking a prompt resolution to this issue and ask that Experian be held accountable for their actions. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this dispute. 

Sincerely, XXXX XXXX Dear Consumer Financial Protection Bureau, Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602a ), it is emphasized that consumer reporting agencies, such asEXPERIAN, must carry out their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I am entitled to ensure the protection of my private information, as supported by 15 USC 6801, which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The entity providing information to credit agencies, commonly known as the 'Furnisher of information, ' qualifies as a financial institution under this title. According to 15 USC 1681, Section 604 a ( 2 ), a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the relevant consumer. In this case, both the financial institution ( Furnisher of information ) and the consumer reporting agencies, EXPERIAN lack my consent and, specifically, my written consent to furnish this information. Referring to 15 USC 6802 ( b ) ( c ), which states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Unfortunately, the furnisher of information did not inform me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) explicitly states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Therefore, reporting this adverse item without my permission is a violation of the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, 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. Additionally, 15 U.S. Code 1681e mandates that every consumer reporting agency must maintain reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to the purposes listed under section 1681b.