Consumer complaint received 2024-10-09 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: AL

Complaint narrative:
Credit report contains the following violations : XXXX. Inaccurate Items Listed and Verified : Inaccurate items were reported and subsequently verified, in violation of FCRA guidelines. 
XXXX. Data Breach : A breach of my sensitive personal information has occurred, compromising her identity and privacy. 
XXXX. Identity Theft : Fraudulent accounts and information related to identity theft have not been properly addressed or corrected by your agency. 
XXXX. Deceptive Marketing of Credit Scores : Your agency has engaged in misleading practices concerning the representation of my credit score.

5. Non-Compliance with Dispute Resolution : There has been a failure to follow proper protocols in resolving disputed information, violating the FCRA.

6. FCRA Violations : Your agency has failed to comply with the following specific sections of the FCRA : o 1681e ( b ) - Accuracy of Information : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information reported. Your agencys failure to correct inaccurate information violates this provision.

o 1681i - Reinvestigation of Disputed Information : Your agency failed to conduct a proper reinvestigation of the disputed items within 30 days, as required by law.

o 1681c-1 - Identity Theft Protections : Failure to block fraudulent information related to identity theft upon notification, as required by this section of the FCRA.

o 1681n and 1681o - Civil Liability for Willful and Negligent Noncompliance : I reserve the right to pursue claims under these sections for damages due to your agencys willful or negligent violations of the FCRA.

o 15 U.S. Code 1681 ( b ) Failed to Provide Proof ( b ) Duties of furnisher of Information upon notice of dispute.

15 U.S. Code 1681 -2 -Responsibilities of furnishers of information to consumer reporting agency ( a ) Duty of furnishing of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.

A person shall not furnish any information relating to a consumer to any consumer and knows or have reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer.

7. Dissemination of False Information to Third Parties : Inaccurate credit information has been shared with third parties, causing significant harm to her financial standing and reputation. I have months of previous filings that my client made to correct her credit report to her failed attempts after providing proof. In review of correspondence from XXXX Consumer Solution, Experian Credit Bureau, and XXXX Credit Bureau, to my client it appears that there is a pattern of the same jargon of claim to have verified the debt, which appears to be false. Contacting creditors and asking them to match up numbers in their database is not sufficient verification for identity of items placed on my credit report by XXXX Consumer Solution, Experian Credit Bureau, and XXXX Credit Bureau. Different addresses, different names that are not hers. 
These violations have caused my client substantial economic loss, including lost financial opportunities such as the inability to secure loans and credit at favorable terms. In addition, XXXX XXXX has suffered severe mental distress, including anxiety and emotional trauma directly attributable to the mishandling of her credit information. We will work directly with the CFPB in getting the negative items removed and a credit score updated as far back as we have evidence to prove our case.

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