Consumer complaint received 2024-09-03 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: AZ

Complaint narrative:
I am filing a complaint against EXPERIAN `and demand immediate deletion of Delete these accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX for violating 15 USC 1692C for unlawful communications and for violating my privacy rights under 15 U.S.C. 6801, 6802, 6803 and 6804. I requested all information in my file per FCRA 1681g and instructed EXPERIAN not to share my nonpublic personal information under 15 U.S.C. 6801 and 6802, which protect my privacy and give me the right to opt-out of information sharing with nonaffiliated third parties and affiliates. Despite this, they have continued to disclose my information without my consent, failing to respect my opt-out requests as mandated by law. This non-compliance poses a significant risk to my privacy and security. I request your intervention to enforce my rights and ensure XXXX XXXX XXXX adheres to federal privacy standards. 

I am writing to formally request the immediate removal of negative account reported on my credit file that are injurious to my creditworthiness. This alleged account, " EXPERIAN '' have been reported in violation of multiple federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act. In accordance with the Fair Credit Reporting Act, EXPERIAN has violated my federally protected consumer right to privacy and confidentiality under the 15 USC 1681. 

EXPERIAN has violated my rights pursuant to 15 USC 1681 section 602 A states I have the right to privacy. Based on 15 USC Code Section 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt. Under 15 US Code 1681c ( b ) and 15 US Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Pursuant to 15 USC 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish accounts without my written instructions Legal Violations : 1. Violation of FCRA ( 15 U.S.C. 1681c-2 ) : Under this statute, a consumer reporting agency is required to block the reporting of any information resulting from alleged identity theft within four business days of receipt of such notification. This obligation has not been met concerning the disputed accounts. 2. Violation of Privacy Rights ( 15 U.S.C. 1681 ) : These accounts have breached my federally protected right to privacy and confidentiality. Specifically, 15 U.S.C. 1681, Section 602 ( a ), guarantees my right to privacy, which has been infringed upon by the continued reporting of this account without my consent. 3. Unauthorized Disclosure ( 15 U.S.C. 1681b ) : According to 15 U.S.C. 1681b, a consumer reporting agency can not furnish accounts without my explicit written consent. My permission has not been granted, making this reporting unauthorized. Demands : Removal of Accounts : I demand the immediate deletion of the account listed in my previous communications from my credit file. Blocking of Transactions : Per 15 U.S.C. 1681c-2, you are required to block these transactions from being reported within four days from the receipt of this notice.

Additionally, under the Gramm-Leach-Bliley Act : No Disclosure of Information : You do not have my permission to share any nonpublic personal information with nonaffiliated third parties or affiliates. Opt-Out of Marketing : Please remove my name from all marketing lists and databases.

You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of the notice. Please address these issues promptly, as failure to comply will result in further legal action to enforce my rights under the applicable federal laws. I expect a response confirming the removal of these items within the required time frame.

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