Consumer complaint received 2024-02-13
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)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Florida XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Unauthorized Disclosure of Personal Information Dear Sir/Madam, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a matter of concern regarding discrepancies observed in my credit report. My name is XXXX XXXX XXXX, and upon reviewing my credit report, I discovered instances where my personal information was disclosed to a third party without my explicit consent, thereby potentially violating the regulations outlined in 15 U.S. Code 6802 concerning the sharing of personal information. 

As per the provisions of the Fair Credit Reporting Act ( FCRA ), individuals such as myself are entitled to the right to know and control the dissemination of their personal information. The unauthorized sharing of my information with an entity unrelated to your agency has raised profound concerns regarding my privacy rights. It is pertinent to highlight that I was not afforded the opportunity to decline consent, which is mandated by law. 

I wish to clarify that my grievance is not directed towards the entities to whom financial obligations are owed. Rather, it pertains to your agency 's action of sharing my information without prior consent. Upon further examination of the relevant statutes, particularly 15 USC 1681b, it is evident that written authorization is a prerequisite for the sharing of personal information. To date, I have not provided such authorization, thus prompting me to request evidence of the same from your agency. Failure to furnish such documentation may suggest a breach of FCRA regulations. 

Moreover, I have lodged a formal complaint with the Federal Trade Commission ( FTC ), with reference to FTC Report Number : XXXX, expressing apprehensions that the unauthorized sharing may constitute identity theft under 18 USC 1028a. 

In light of the aforementioned, I hereby formally demand the expeditious removal of the following accounts and unauthorized inquiries from my credit report within four business days : Accounts Name : Company or Organization : XXXX XXXX XXXX Account Number : XXXX Accounts Name : XXXX XXXX XXXX Account Number : XXXX Inquiry Name : XXXX  Inquiry Date : XXXX Inquiry Name : Finance XXXX Inquiry Date : XXXX XXXXnquiry Name : XXXX XXXX Inquiry Date : XXXX I assert my right to fair and accurate credit reporting, and rectification of these errors is imperative to ensure the integrity of my credit profile. I do not consent to E-OSCAR or any form of automated verification as they may contravene the Fair Credit Reporting Act. 

Furthermore, I request detailed information regarding the investigative procedures undertaken by your agency, including certified documents reviewed and communication with data furnishers, as mandated by FCRA regulations. 

Enclosed with your response, I respectfully request a notarized affidavit affirming the veracity of the information provided, as per my civil rights conferred by federal laws. A template response will not suffice, given the specific nature of the dispute articulated herein. 

Failure to provide the requested information within the stipulated timeframe will necessitate the immediate and permanent removal of the aforementioned items from my credit report, pursuant to relevant statutes including the Fair Credit Reporting Act. 

I implore your prompt attention to this matter and anticipate a timely resolution. Should this matter remain unresolved, I reserve the right to pursue legal action. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX