Consumer complaint received 2024-01-12 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 submitting a formal complaint against XXXX, expressing significant concerns about potential privacy law violations, particularly the insufficient disclosure of opt-out rights. As a responsible consumer, I expect credit bureaus like XXXX to uphold transparency, fairness, and compliance with regulations. Recent observations raise serious concerns, warranting a thorough investigation into XXXX XXXX practices. My primary concern is the apparent lack of disclosure regarding consumers ' right to opt out of information sharing, a crucial aspect of privacy. Section 15 USC 6802 ( b ) ( c ) mandates clear explanations, but XXXX may not effectively communicate this information. The absence of opt-out information, a right under 12 CFR 1016.7, is troubling, hindering informed decisions and raising compliance questions. Beyond opt-out disclosures, concerns extend to potential Fair Credit Reporting Act ( 15 USC 1681 ) violations. Section 602a emphasizes fairness, impartiality, and respect for consumer privacy, areas where XXXX may lack full compliance. The apparent lack of information on opt-out options may signal broader insufficient privacy disclosures. Section 15 USC 1681C ( a ) ( 5 ) prohibits certain adverse information disclosure without proper authorization, necessitating clear privacy disclosures under The Privacy Act of 1974. Notably, under 15 USC 6805, the privacy notice reveals involvement with third-party companies, implying potential Privacy Act and terms and conditions violations. 16 CFR Part 313 and 16 CFR 433.2 outline requirements for privacy practice information. Emphasizing 5 USC 522a in relation to identity theft, protecting personal information is vital, and any false use of identity, as suspected with XXXX, contravenes the law. Additional concerns involve potential FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ) violations, as it prohibits having a consumer report containing solely transactional information. Such violations breach consumer trust and ignore fundamental principles of consumer protection. Lastly, 15 U.S. Code 1681s2 ( A ) ( 1 ) A underscores the importance of furnishing accurate information to consumer reporting agencies, a responsibility that must be upheld. In light of these concerns, I urgently request a thorough Consumer Financial Protection Bureau investigation into XXXX 's practices. I implore the Bureau to address opt-out and privacy disclosures, considering relevant laws, and ensure compliance with privacy laws and consumer protection statutes. I appreciate your attention to this matter and trust the Consumer Financial Protection Bureau will take necessary steps to safeguard consumer rights. 



In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX. Account name : XXXX Account number : XXXX XXXX. Account name : XXXX XXXX XXXX Account number : XXXX XXXX. Account name : XXXX XXXX XXXX XXXX Account number : XXXX XXXX name : XXXX XXXX XXXX, XXXX XXXX Account number : XXXX XXXX. Account name : XXXX XXXX XXXX  Account number : XXXX XXXX name : XXXX XXXX XXXX XXXX Account number : XXXX XXXX name : XXXX XXXX XXXX XXXX Account number : XXXX XXXX name : XXXX XXXX XXXX XXXX  Account number : XXXX ALL ACCOUNTS LISTED ABOVE HAS VIOLATED MY RIGHTS 5 U.S. Code 552a - Records maintained on individuals 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing and of the following any other items of information Any other adverse item of information, other then the records of convictions of crimes which antedates the report by more then 7 years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cost to move the information is inaccurate Violation of USC 1681s-2 ( 3 ) Duty to provide notice of disputes You VIOLATED U.S.C 15 U.S.Code 1681a ( 2 ) ( a ) ( i ) -Congressional Findings. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality and a respect for the consumers right to privacy.

Every notation date and balance were not verified and validated by you for this account. This account must be terminated IMMEDIATELY in accordance with FCRA section 18 USC 1028 ( a ) ( 7 ) You failed to check and validate all data for this account, including all notation dates and balances. This account must be deleted IMMEDIATELY in accordance with FCRA section 15 USC 1681a ( k ) ( B ) ( iv ) ( ll ) Erroneous RESULT OF The XXXX Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all XXXX Bureaus Experian XXXX and XXXX This agency is in violation of 1 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt.

PENALTY OF PERJURY 'Violations of 15 U.S.C 1692g ' '15 U.S.C 1692a abusive practices ' '15 U.S. code 1681 4A B2 Misleading False Reporting ' '15 U.S. Code 1681b - Permissible purposes of consumer reports ' You Violated the United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report.

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