Consumer complaint received 2025-06-09 00:00:00
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.
State: FL

Complaint narrative:
XX/XX/XXXXTHIS DISPUTE LETTER WAS SENT TOXX/XX/XXXXAND JXX/XX/XXXX .....AFFIDAVIT OF XX/XX/XXXX REGARDING XX/XX/XXXX ACCOUNTXX/XX/XXXXnENDING IN XX/XX/XXXXXX/XX/XXXX being of lawful age and competent to testify, do herebyXX/XX/XXXXndepose and state under penalty of perjuryXX/XX/XXXX1. Preliminary StatementXX/XX/XXXX1. I am a resident of XX/XX/XXXXover 18 years of age, and have personal knowledgeXX/XX/XXXXof the facts herein. 2. This affidavit addresses inaccuracies and violations in the reportingXX/XX/XXXXof XX/XX/XXXX Account Ending in XX/XX/XXXXon my 3-Bureau Credit ReportXX/XX/XXXXfrom XX/XX/XXXX, dated XX/XX/XXXX obtained from TransUnion and ExperianXX/XX/XXXX. Factual BackgroundXX/XX/XXXX. The account is reported as Closed with aXX/XX/XXXX balance by TransUnion and ExperianXX/XX/XXXXwith a closed date of XX/XX/XXXX (TransUnion) orXX/XX/XXXXExperian).XX/XX/XXXXThe creditor remarks indicate Account closed by consumer (TransUnion) and XX/XX/XXXXclosed - consumer request - reported by subscriber (Experian). XX/XX/XXXXailedXX/XX/XXXXto provide any opportunity to opt out of sharing my nonpublic personal informationXX/XX/XXXXwith credit reporting agencies, as required by federal law. 6. No evidence of compliance\nwith privacy notice requirements or debt validation (if applicable) has been provided byXX/XX/XXXX. Legal ViolationsXX/XX/XXXX Fair Credit Reporting Act (FCRA) ViolationsXX/XX/XXXX Under 15 U.S.C. 1681s-2(b), XX/XX/XXXXfailed to ensure consistent reporting acrossXX/XX/XXXXbureaus, as evidenced by differing closed dates XX/XX/XXXX 8. The absence of a Date of First Delinquency (if applicable) violates FCRAXX/XX/XXXX, as it prevents verification of the 7-year reporting period for derogatoryXX/XX/XXXXaccounts, even though the account is currently reported as closed with a XX/XX/XXXXbalanceXX/XX/XXXX Gramm-Leach-Bliley Act (GLBA) ViolationsXX/XX/XXXX Under 15 U.S.C. 6802(a) and 6802(b), XX/XX/XXXX, as a financial institution, sharedXX/XX/XXXXmy nonpublic personal information with TransUnion and Experian without providingXX/XX/XXXXme an opportunity to opt out of such sharing, as required for nonaffiliated third parties.XX/XX/XXXX Under 15 U.S.C. 6803(a), XX/XX/XXXXfailed to provide an initial privacy notice oXX/XX/XXXXannual notices clearly and conspicuously disclosing my right to opt out of informationXX/XX/XXXXsharing with credit reporting agencies, violating XX/XX/XXXXrequirements. 11. The absenceXX/XX/XXXXof documented evidence showing when and where an opt-out opportunity was providedXX/XX/XXXXconstitutes a willful violation of 15 U.S.C.  6802 and  6803.\n1\n3.3 Metro 2 ViolationsXX/XX/XXXX12. Metro 2 standards require consistent reporting of account closure dates across bu\x02reaus. The discrepancy in closed dates (XX/XX/XXXXviolates Metro 2 guidelines. 13. If the account was previously derogatory, the failureXX/XX/XXXXto report a Compliance Condition Code (e.g., XX/XX/XXXXfor completed investigation) post\x02closure violates Metro 2 reporting requirements.XX/XX/XXXX3.4 Uniform Commercial Code (UCC) ViolationsXX/XX/XXXX14. Under UCC  9-210, XX/XX/XXXXfailed to provide an accounting of the debt upon myXX/XX/XXXXrequest, including proof of debt validity or chain of title (if applicable). 15. If theXX/XX/XXXXaccount was previously charged off, reporting without validation violates UCC  9-406.\n3.5 Internal Revenue Service (IRS) Violations\n16. If the account was previously charged off, JPMC was required to issue IRS Form\n1099-C under 26 CFR  1.6050P-1. No such form has been provided, suggesting potential\nfraudulent reporting if a charge-off occurred.\n4.XX/XX/XXXX The inconsistent reporting and unauthorized sharing of my personal information have\ncaused financial harm, including but not limited to [e.g., potential denial of credit, higher\ninterest rates, emotional distress]. 18. These violations have damaged my creditworthi\x02ness and financial opportunities.\n5. Demand for Relief\n19. I demand that TransUnion and Experian correct the inconsistent closed dates for\XX/XX/XXXXAccount Ending in 2803 to reflect accurate and uniform reporting. 20. I demand\nthat XX/XX/XXXXprovide documented evidence of compliance with 15 U.S.C.  6802 and \n6803, including copies of all privacy notices and opt-out opportunities provided to me.\n21. I demand immediate cessation of all credit reporting for this account, exercising\nmy opt-out right under 15 U.S.C.  6802(b). 22. I demand that JPMC provide debt\nvalidation, including the original creditor agreement and IRS Form 1099-C, if applicable.\n23. I reserve all rights under UCC  1-308 without prejudice.\nI swear under penalty of perjury that the foregoing is true and correct to the best of my\nknowledgeXX/XX/XXXXAffiant\nSigned without prejudice under UCC  1-308\nDate:XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation