Consumer complaint received 2024-02-08 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:
Subject : Notice of Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Florida Laws Dear Experian, XXXX, XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with pertinent Florida laws governing identity theft and fraud, specifically Florida Statutes Sections 817.568 and 817.5685. 

It has unequivocally come to my attention that Experian, XXXX, XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Florida state law, particularly Florida Statutes Section 817.568, emphasizes the necessity of consumer consent for credit reporting, while Section 817.5685 of the Florida Statutes provides clear directives for the fair reporting of consumer credit information. Simultaneously, identity theft fraud laws, such as Florida Statutes Sections 817.568 and 817.5685, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for Experian, XXXX, XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that Experian, XXXX, XXXX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Florida Statutes Sections 817.568 and 817.5685. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft and fraud statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Florida state law, and identity theft fraud statutes. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that Experian, XXXX, XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith,

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 non-monetary relief