Consumer complaint received 2024-12-27 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate and unauthorized information that appears on my credit report. I believe that several consumer reporting agencies, as well as furnishers of information, have failed to comply with the provisions set forth in the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and other applicable consumer protection laws, including the Privacy Act of 1974, 5 U.S. Code 552a, the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S. Code 1232g, and Regulation P under the Gramm-Leach-Bliley Act, 15 U.S. Code 6802.

Inaccurate Information on My Credit Report Under 15 U.S. Code 1681, consumer reporting agencies are required to maintain accurate, relevant, and up-to-date information in consumer credit reports. I have identified several items that I believe are erroneous, unauthorized, or not in compliance with the law, and I request that the following information be corrected or removed from my credit report : Accounts to Be Removed : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX Violations of the Fair Credit Reporting Act ( FCRA ) and Other Laws Unauthorized Furnishing and Disclosure of Information : I believe that consumer reporting agencies or furnishers of information may have furnished my credit report without my written consent, in violation of 15 U.S. Code 1681b, which stipulates that consumer reports may only be provided for permissible purposes and with the consumers consent.

Identity Theft and Fraudulent Information : If any inaccurate information was reported as a result of identity theft, it would constitute a violation of 12 CFR 1022.3 and the Privacy Act of 1974. I request that any fraudulent information be blocked from my credit report as required by law.

Negligent Noncompliance by Consumer Reporting Agencies : Under 15 U.S. Code 1681o, consumer reporting agencies are liable for damages resulting from their failure to comply with the FCRA. If any inaccurate or unauthorized information has been reported, I am entitled to damages for any harm caused by this failure.

Obligations of Furnishers of Information : Under 15 U.S. Code 1681s2, I am requesting that any companies that knowingly reported inaccurate or unauthorized information be held accountable for their noncompliance and be required to remove such information. 

Failure to Provide Adequate Opt-Out Mechanism : I believe that companies have failed to provide an accessible and reasonable opt-out mechanism as required by 12 CFR 1016.7, which mandates that consumers must be able to opt-out of disclosures easily. The process they have provided is unreasonable and fails to meet the legal requirements.

Privacy Violations Regarding Financial Institutions : Under 15 U.S. Code 6802, I request that any financial institution or company that has failed to provide adequate notice or an opt-out mechanism for disclosures of my nonpublic personal information be held accountable for violating my privacy rights.

Request Regarding Student Loans Under FERPA : As per the Family Educational Rights and Privacy Act ( FERPA ), I request that any student loan information on my credit report be removed if it was improperly disclosed without my consent.

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