Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Re : Unauthorized Reporting and Sharing of Personal Information XXXX XXXX ( Account # XXXX ) Experian, Equifax, TransUnion Dear CFPB Representative, I am filing this formal complaint regarding a negative item reported by XXXX XXXX  that appears on my credit file with Experian and may also be present on Equifax and TransUnion. The account is listed as a collection account with a balance of {$610.00}, opened on XX/XX/XXXX, and most recently updated in XX/XX/XXXX. 

Account Information : Creditor Name : XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX 
Account Number : XXXX Reported Balance : {$610.00} Status : Collection account, past due Credit Bureau ( s ) : Experian ( confirmed ), Equifax and TransUnion ( pending validation ) Summary of Complaint : I did not authorize this account to be reported to any credit reporting agency. Specifically : I never entered into any agreement or contract with XXXX XXXX XXXXXXXX XXXX nor did I provide written or electronic consent for my personal or financial information to be shared or reported. 
No control agreement exists that would justify this reporting. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a credit reporting agency may only furnish a consumer report when a permissible purpose exists. No such purpose has been established in this case. 
Additionally, the Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) requires data furnishers and financial entities to provide clear notice and obtain explicit consent prior to sharing nonpublic personal information. That was not done. 
Reporting inaccurate or unverified information violates 15 U.S.C. 1681e ( b ), which requires credit bureaus to ensure maximum possible accuracy. 



Requested Resolution : I request the following actions : 1. The immediate investigation of XXXX XXXX, Experian, Equifax, and TransUnion regarding the unauthorized reporting of this item.

2. That all three credit bureaus be required to validate the account by producing : Original signed agreement or contract, Proof of assignment or ownership of the debt, Evidence that I gave express authorization for this account to be reported.

3. If no such documents exist, I request that this item be permanently deleted from all credit files with Experian, Equifax, and TransUnion, and that written confirmation be sent to me.

This reporting is unjustified, unverified, and violates multiple provisions of federal consumer protection law. I request the CFPBs intervention to protect my rights and ensure the integrity of my credit file. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX digits of XXXX : XXXX Email : XXXX XXXX

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