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:
I am writing to formally dispute the unauthorized sale and inaccurate reporting of the XXXXXXXX XXXX account ( # XXXX ) on my credit reports with Experian and XXXX XXXX This account has been sold without my consent, constituting a breach of privacy. Additionally, the reporting on this account contains numerous inaccuracies. I demand the immediate removal of this account from all credit reporting agencies and request compensation for the damages caused, along with a thorough investigation into these issues. 

Issues Identified 1. Unauthorized Sale of Account : The XXXXXXXX XXXX account was sold to a third party without my knowledge or consent, violating my privacy rights and the Fair Credit Reporting Act ( FCRA ). 
2. Inaccurate Reporting : High Credit : Experian : {$1600.00} XXXX : {$2000.00} Last Reported Date : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date of Last Payment : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Payment History : Both Experian and XXXX inaccurately report that the account Was 30 Days Late 1 Time and Was 60 Days Late 1 Time, which is not correct. 

Violations and Impact The discrepancies in the reported information and the unauthorized sale of the account to collections without my consent violate my rights under the FCRA and privacy laws. These actions have caused undue stress, potential damage to my credit profile, and an invasion of my privacy. 

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 without my consent constitutes a breach 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 explanation