Consumer complaint received 2024-08-06 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: AR

Complaint narrative:
XXXX XXXX Account # XXXX I am writing to formally dispute the inaccurate and unauthorized reporting of the XXXX  XXXX account ( # XXXX ) on my credit reports with Experian and XXXX. This account has been sold to a third-party company without my consent, which constitutes a breach of privacy. Furthermore, the reporting on this account is inaccurate and inconsistent, and I demand its immediate removal from all credit reporting agencies. 

Issues Identified 1. Unauthorized Sale and Privacy Violation : The account was sold to a third-party company without my consent, constituting a breach of my privacy rights. I did not authorize the sale or transfer of this account.

2. Inaccurate Reporting : Last Reported Date : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Debt Status on XXXX : XXXX inaccurately reports that the debt is not satisfied, despite being legally settled. 
Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX These inconsistencies and errors are misleading and damaging to my credit profile. 

Violations and Impact The presence of this account, along with its inaccurate and unauthorized reporting, indicates significant issues in the handling of my personal information and credit data. The discrepancies in the reported dates and debt status, as well as the unauthorized sale of the account, violate my rights under the Fair Credit Reporting Act ( FCRA ) and privacy laws. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized sale of my account to a third party without my consent is a clear violation of my privacy rights, which includes the protection of sensitive information from unauthorized disclosure.

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