Consumer complaint received 2024-05-20 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: AL

Complaint narrative:
I am filing a complaint against the credit reporting agencies for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2 ( a ) ( 1 ), which prohibits furnishing inaccurate information. Furthermore, these accounts were reported without my written consent. According to 15 U.S. Code 1681b ( a ) : Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I request the immediate removal of the following accounts from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These reporting of these accounts breach the following sections of the FCRA : 15 U.S. Code 1681, Section 602 ( a ) : This section emphasizes the need for accurate credit reporting to ensure fairness and privacy. The false information on my report violates this principle, compromising my creditworthiness and privacy.

15 U.S. Code 1681, Section 604 ( a ) : This section limits the purposes for which consumer reports can be furnished. Inaccurate reporting exceeds these permissible purposes, unfairly damaging my ability to obtain credit and other benefits.

15 U.S. Code 1681c ( a ) ( s ) : This section outlines the time limits for reporting negative information. The accounts in question either exceed these limits or are incorrectly reported, violating the statute.

15 U.S. Code 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

It is also pertinent to note the requirement of written consent involving multiple signatures for reporting data. Under 15 U.S. Code 1681b ( b ) ( 2 ) ( A ) : A consumer reporting agency may furnish a consumer report for credit purposes only if ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for credit purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.

The companies involved must provide proof within five days that they obtained the required three signatures or they must delete all listed items. 

Thank you for your prompt attention to this urgent issue.

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