Consumer complaint received 2024-12-04 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: NY

Complaint narrative:
I, XXXX XXXX, encountered multiple violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws by credit reporting agencies and debt collectors. These issues pertain to unauthorized use and reporting of my personal and credit information, deceptive reporting practices, and failure to validate alleged debts. Here 's a summary of what happened : 1. Failure to Verify Credit Information The agencies involved failed to verify the accuracy of the credit information they reported about me. This constitutes willful noncompliance under FCRA Section 616 ( 15 U.S.C. 1681n ), which can lead to civil liability for each violation. 

2. Mismanagement of Personal Information My personal information was inaccurately reported, including addresses and other identifying details that do not pertain to me. This is a violation of FCRA Section 603 ( d ) ( 2 ) ( A ), as they failed to disclose my rights and safeguard my information properly. 

3. Reporting Inaccurate Accounts and Late Payments Several accounts on my credit report, such as those from XXXX, XXXX, and others, were reported with errors, including alleged late payments and balances I do not owe. These inaccuracies violate FCRA Section 623 ( a ) ( 3 ), which prohibits furnishing deceptive or unvalidated credit information. 

4. Unauthorized Hard Inquiries I identified unauthorized hard inquiries on my credit report, such as entries from XXXX, XXXX, and XXXX XXXX XXXX. These inquiries lacked my explicit consent, violating FCRA Section 604 ( a ) ( 2 ), which outlines permissible purposes for accessing consumer reports. 

5. Failure to Validate Debts Debt collectors failed to provide validation for debts I allegedly owed, despite my formal requests under 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ). They did not supply essential proof, such as signed contracts or agreements, leaving these debts unverified. 

6. Disclosure of Debt to Third Parties Debt collectors improperly shared my information with third-party agencies, implying I owed debts. This breaches FDCPA regulations against unauthorized communication of debt information. 

7. Deceptive Finance Charge Reporting The finance charges on my credit accounts were not accurately calculated, violating standards for transparent credit reporting.

8. Emotional and Financial Impact These violations caused me undue distress, harassment from debt collectors, and damage to my creditworthiness, which impacts my ability to secure loans, housing, and other necessities. 

Actions I Am Demanding I have demanded immediate corrective action, including : Removing all inaccurate personal information and unverified accounts. 
Validating debts or deleting them if validation is not provided. 
Deleting all unauthorized hard inquiries. 
Updating erroneous late payments to " paid as agreed, never late. '' Providing evidence of permissible purposes for reporting and inquiries. 
Failure to resolve these issues promptly will compel me to pursue legal remedies, as I have a right to seek damages for violations under the FCRA and FDCPA. I expect compliance with these laws to protect my consumer rights.

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