Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the accounts listed below, as I believe they have been handled in violation of applicable consumer protection laws. With the recent CFPB lawsuit highlighting Experians failure to properly investigate and address consumer disputes, I regret to inform you that I, too, have been affected by these improper practices. 
The accounts in question have been disputed multiple times, and it is clear that Experian did not take the appropriate, lawful measures to thoroughly investigate and resolve my concerns. As such, I demand the immediate removal and deletion of the following accounts : XXXX XXXX XXXX ( Collection Account ) XXXX XXXX XXXX ( Collection Account ) Experian 's failure to uphold its legal obligations, including conducting a proper investigation and correcting errors, is unacceptable. I urge you to review the relevant laws, such as those under the Fair Credit Reporting Act ( FCRA ), and ensure compliance when addressing this matter. 


I demand that EXPERIAN rectify these violations immediately by : Removing the inaccurate XXXX account from my consumer report. Conducting a thorough investigation into the accuracy of all reported information. Ceasing any unauthorized inquiries and providing documentation of the permissible purpose for each inquiry. Now, the presence of the XXXX account on my consumer report violates the Family Educational Rights and Privacy Act of 1974 ( XXXX XXXX part XXXX ). Specifically, XXXX XXXXXXXX XXXX XXXX mandates that " The parent or eligible student shall provide a signed and dated written consent before an educational agency or institution discloses personally identifiable information from the student 's education records, except as provided in The written consent must : ( 1 ) Specify the records that may be disclosed ; ( 2 ) State the purpose of the disclosure; and ( 3 ) Identify the party or class of parties to whom the disclosure may be made. I have neither verbally nor in writing provided EXPERIAN or XXXX with consent or authorization to disclose my personally identifiable information to any third parties. This constitutes a blatant violation of XXXX XXXX XXXX. I demand that EXPERIAN immediately delete every XXXX account reported on my consumer report. It's imperative to underscore the significance of protecting my nonpublic information, as delineated in XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. EXPERIAN, along with the furnishers reporting on my consumer report, is not only selling my nonpublic information to third parties without my consent but also engaging in the continuous securitization of my nonpublic personal information for profit. This egregious conduct must cease immediately. Their actions have left me feeling vulnerable and violated. 

According to XXXX XXXX of the Fair Credit Reporting Act ( FCRA ), EXPERIAN is XXXX to address these concerns within four days of receiving initial notice from me, the consumer. As a Federally Protected XXXX, I am exercising my right to opt out of any and all authorization and reporting of accounts on my consumer report. Pursuant to XXXX XXXX XXXX, my consent may have been provided in written, unwritten, verbal, or non-verbal form. Therefore, I demand immediate action to cease all authorization and reporting activities related to my consumer report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Duration of opt-out. The election of a consumer to opt out must be effective for a period of at least five years ( the opt-out period ) beginning when the consumer 's opt-out election is received and implemented, unless the consumer subsequently revokes the opt-out in writing or, if the consumer agrees, electronically. An opt-out period of more than five years may be established, including an opt-out period that does not expire unless revoked by the consumer. ( c ) Time of opt-out. A consumer may opt out at any time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX By including in a privacy notice. The opt-out notice is included in a XXXX Act privacy notice. The consumer is allowed to exercise the opt-out within a reasonable period of time and in the same manner as the opt-out under that privacy notice. XXXX XXXX XXXX XXXX XXXX XXXX In general. You must not use eligibility information about a consumer that you receive from an affiliate to make a solicitation to the consumer about your products or services, unless the consumer is provided a reasonable and simple method to opt out, as required by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Examples ( 1 ) Reasonable and simple opt-out methods. Reasonable and simple methods for exercising the opt-out right include : ( i ) Designating a check-off box in a prominent position on the opt-out form ; ( ii ) Including a reply form and a self-addressed envelope together with the opt-out notice ; ( iii ) Providing an electronic means to opt out, such as a form that can be electronically mailed or processed at a Web site, if the consumer agrees to the electronic delivery of information ; ( iv ) Providing a toll-free telephone number that consumers may call to opt out ; or ( v ) Allowing consumers to exercise all of their opt-out rights described in a consolidated opt-out notice that includes the privacy opt-out under the XXXX XXXX XXXX XXXX XXXX et seq., the affiliate sharing opt-out under the Act, and the affiliate marketing opt-out under the Act, by a single method, such as by calling a single toll-free telephone number. ( 2 ) Opt-out methods that are not reasonable and simple. Reasonable and simple methods for exercising an opt-out right do not include ( i ) Requiring the consumer to write his or her own letter ; ( ii ) Requiring the consumer to call or write to obtain a form for opting out, rather than including the form with the opt-out notice ; ( iii ) Requiring the consumer who receives the opt-out notice in electronic form only, such as through posting at a Web site, to opt out solely by paper mail or by visiting a different Web site without providing a link to that site. ( c ) Specific opt-out means. Each consumer may be required to opt out through a specific means, as long as that means is reasonable and simple for that consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a ) General rule. Except as otherwise provided in this section, a furnisher must conduct a reasonable investigation of a direct dispute if it relates to : ( 4 ) Any other information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. XXXX XXXX XXXX ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTINGThe Congress makes makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX, XXXX XXXX of the Florida Statutes Prohibited practices generally.In collecting consumer debts, no person shall : ( 1 ) Simulate in any manner a law enforcement officer or a representative of any governmental agency. ( 2 ) Use or threaten force or violence. ( 3 ) Tell a debtor who disputes a consumer debt that she or he or any person employing her or him will disclose to another, orally or in writing, directly or indirectly, information affecting the debtors reputation for credit worthiness without also informing the debtor that the existence of the dispute will also be disclosed as required by subsection ( 6 ). ( 4 ) Communicate or threaten to communicate with a debtors employer before obtaining final judgment against the debtor, unless the debtor gives her or his permission in writing to contact her or his employer or acknowledges in writing the existence of the debt after the debt has been placed for collection

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