Consumer complaint received 2025-03-20 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: MA

Complaint narrative:
XXXX XXXX Subject : Request to Block Adverse Information from My Credit Profile I am writing to formally request that adverse information resulting from identity theft or fraudulent activity be blocked from my credit report under the provisions of the XXXX XXXX Protection Act ( TVPA ) and the Fair Credit Reporting Act ( FCRA ). As a victim of XXXX XXXX, I have experienced financial harm, including fraudulent use of my identity. I understand that under federal law, credit reporting agencies are required to block adverse information caused by XXXX-related activity when provided with the appropriate documentation. This Account Is Fraudulent : XXXXL XXXX Account # XXXX Open : XXXX Balance : {$720.00} XXXX XXXX Account # XXXX Open : XXXX Balance : {$910.00} THESE ARE THE INQUIRIES : XXXX XXXX NA XXXX XXXX Date : XXXX XXXX XXXX 1692C Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( XXXX ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 6802 In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option 15 USC 6802 ( a ) Privacy obligation policy 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. 15 USC 1681 ( A ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). 15 USC 1681Q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 USC 1681N ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. The Gramm-Leach-Bliley Act ( GLBA ) is a law that protects consumer financial information and regulates how financial institutions can share customer data. The GLBA was passed in 1999. Financial institutions must disclose how they share customer information Financial institutions must protect sensitive customer data Financial institutions must create, maintain, and implement an information security program Customers must be able to opt out of sharing their information with certain third parties. Enclosed, I have included the following required documentation : 1. Dispute Letter 2. A valid government-issued ID 3. Victim Documentation 4. A copy of my Written Statement IM DEMANDING This ACCOUNTREMOVE/DELETE And Remove/Delete.I would appreciate it If You Send Me A Copy Of The Full Disclosure With Permission and consent with written Signature Of THIS ACCOUNT and PLEASE SEND ME THE FULL INVESTIGATION Of DOCUMENTS OF THE ACCOUNTS BEING REPORTED AS VERIFIED I'm Requesting ALL PAPERWORK PROVEN THAT THIS ACCOUNT BELONGS TO ME AND A COPY OF THE INVESTIGATION RESULTS OF HOW YOU VERIFIED THIS ACCOUNT AS ACCURATE. THIS BEEN GOING ON FOR A FEW MONTHS AND NEEDS TO BE RESOLVE IMMEDIATELY OR FURTHER COURT ACTIONS ARE GOING TO BE SUBMITTED DO TO THESE FCRA LAW VIOLATIONS. PLEASE A Written Confirmation When The Information has been blocked from my credit profile. Thank you for your time and assistance in this matter. Sincerely, XXXX 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