Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, 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: OK

Complaint narrative:
This letter is to serve as a formal dispute regarding inaccurate information contained 
within my credit report file with your agency.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I am requesting that the items be blocked and removed, to correct the information 
contained within my credit report file.
Please be advised that your investigation process, was improperly executed upon my 
challenges for dispute where denied. With no proper furnishing of validation of debts.
Also please see attached law on consumer reporting procedures
If you have any questions, or require additional information, please contact me during the 
day at XXXX 
Sincerely,
(XXXX XXXX XXXX
15 USC 1681a: Definitions; rules of construction Text contains those laws in effect on 
XXXX XXXX XXXX From Title 15-COMMERCE AND TRADE CHAPTER 41-CONSUMER 
CREDIT PROTECTION SUBCHAPTER III-CREDIT REPORTING AGENCIES Jump 
To: Source Credit Miscellaneous References In Text Amendments Effective Date 
1681a. Definitions; rules of construction (a) Definitions and rules of construction set 
forth in this section are applicable for the purposes of this subchapter. (b) The term 
"person" means any individual, partnership, corporation, trust, estate, cooperative, 
association, government or governmental subdivision or agency, or other entity. (c) The 
term "consumer" means an individual. (d) Consumer Report.- (1) In general.-The term 
"consumer report" means any written, oral, or other communication of any information 
by a consumer reporting agency bearing on a consumer's credit worthiness, credit 
standing, credit capacity, character, general reputation, personal characteristics, or mode 
of living which is used or expected to be used or collected in whole or in part for the 
purpose of serving as a factor in establishing the consumer's eligibility for- (A) credit or 
insurance to be used primarily for personal, family, or household purposes; (B) 
employment purposes; or (C) any other purpose authorized under section 1681b of this 
title. (2) Exclusions.-Except as provided in paragraph (3), the term "consumer report" 
does not include- (A) subject to section 1681s3 of this title, any- (i) report containing 
information solely as to transactions or experiences between the consumer and the person 
making the report; (ii) communication of that information among persons related by 
common ownership or affiliated by corporate control; or (iii) communication of other 
information among persons related by common ownership or affiliated by corporate 
control, if it is clearly and conspicuously disclosed to the consumer that the information 
may be communicated among such persons and the consumer is given the opportunity, 
before the time that the information is initially communicated, to direct that such 
information not be communicated among such persons; (B) any authorization or approval 
of a specific extension of credit directly or indirectly by the issuer of a credit card or 
similar device; (C) any report in which a person who has been requested by a third party 
to make a specific extension of credit directly or indirectly to a consumer conveys his or 
her decision with respect to such request, if the third party advises the consumer of the 
name and address of the person to whom the request was made, and such person makes 
the disclosures to the consumer required under section 1681m of this title; or (D) a 
communication described in subsection (o) or (x).1 (3) Restriction on sharing of medical 
information.-Except for information or any communication of information disclosed as 
provided in section 1681b(g)(3) of this title, the exclusions in paragraph (2) shall not 
apply with respect to information disclosed to any person related by common ownership 
or affiliated by corporate control, if the information is- (A) medical information; (B) an 
individualized list or description based on the payment transactions of the consumer for 
medical products or services; or (C) an aggregate list of identified consumers based on 
payment transactions for medical products or services. (e) The term "investigative 
consumer report" means a consumer report or portion thereof in which information on a 
consumer's character, general reputation, personal characteristics, or mode of living is 
obtained through personal interviews with neighbors, friends, or associates of the 
consumer reported on or with others with whom he is acquainted or who may have 
knowledge concerning any such items of information. However, such information shall 
not include specific factual information on a consumer's credit record obtained directly 
from a creditor of the consumer or from a consumer reporting agency when such 
information was obtained directly from a creditor of the consumer or from the consumer. 
(f) The term "consumer reporting agency" means any person which, for monetary fees, 
dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the 
practice of assembling or evaluating consumer credit information or other information on 
consumers for the purpose of furnishing consumer reports to third parties, and which uses 
any means or facility of interstate commerce for the purpose of preparing or furnishing 
consumer reports. (g) The term "file", when used in connection with information on any 
consumer, means all of the information on that consumer recorded and retained by a 
consumer reporting agency regardless of how the information is stored. (h) The term 
"employment purposes" when used in connection with a consumer report means a report 
used for the purpose of evaluating a consumer for employment, promotion, reassignment 
or retention as an employee. (i) Medical Information.-The term "medical information"-
(1) means information or data, whether oral or recorded, in any form or medium, created 
by or derived from a health care provider or the consumer, that relates to- (A) the past, 
present, or future physical, mental, or behavioral health or condition of an individual; (B) 
the provision of health care to an individual; or (C) the payment for the provision of 
health care to an individual.2 (2) does not include the age or gender of a consumer, 
demographic information about the consumer, including a consumer's residence address 
or e-mail address, or any other information about a consumer that does not relate to the 
physical, mental, or behavioral health or condition of a consumer, including the existence 
or value of any insurance policy. (j) Definitions Relating to Child Support Obligations.-
(1) Overdue support.-The term "overdue support" has the meaning given to such term in 
section 666(e) of title 42. (2) State or local child support enforcement agency.-The term 
"State or local child support enforcement agency" means a State or local agency which 
administers a State or local program for establishing and enforcing child support 
obligations. (k) Adverse Action.- (1) Actions included.-The term "adverse action"- (A) 
has the same meaning as in section 1691(d)(6) of this title; and (B) means- (i) a denial or 
cancellation of, an increase in any charge for, or a reduction or other adverse or 
unfavorable change in the terms of coverage or amount of, any insurance, existing or 
applied for, in connection with the underwriting of insurance; (ii) a denial of employment 
or any other decision for employment purposes that adversely affects any current or 
prospective employee; (iii) a denial or cancellation of, an increase in any charge for, or 
any other adverse or unfavorable change in the terms of, any license or benefit described 
in section 1681b(a)(3)(D) of this title; and (iv) an action taken or determination that is- (I) 
made in connection with an application that was made by, or a transaction that was 
initiated by, any consumer, or in connection with a review of an account under section 
1681b(a)(3)(F)(ii) of this title; and (II) adverse to the interests of the consumer. (2) 
Applicable findings, decisions, commentary, and orders.-For purposes of any 
determination of whether an action is an adverse action under paragraph (1)(A), all 
appropriate final findings, decisions, commentary, and orders issued under section 
1691(d)(6) of this title by the Bureau or any court shall apply. (l) Firm Offer of Credit or 
Insurance.-The term "firm offer of credit or insurance" means any offer of credit or 
insurance to a consumer that will be honored if the consumer is determined, based on 
information in a consumer report on the consumer, to meet the specific criteria used to 
select the consumer for the offer, except that the offer may be further conditioned on one 
or more of the following: (1) The consumer being determined, based on information in 
the consumer's application for the credit or insurance, to meet specific criteria bearing on 
credit worthiness or insurability, as applicable, that are established- (A) before selection 
of the consumer for the offer; and (B) for the purpose of determining whether to extend 
credit or insurance pursuant to the offer. (2) Verification- (A) that the consumer continues 
to meet the specific criteria used to select the consumer for the offer, by using 
information in a consumer report on the consumer, information in the consumer's 
application for the credit or insurance, or other information bearing on the credit 
worthiness or insurability of the consumer; or (B) of the information in the consumer's 
application for the credit or insurance, to determine that the consumer meets the specific 
criteria bearing on credit worthiness or insurability. (3) The consumer furnishing any 
collateral that is a requirement for the extension of the credit or insurance that was- (A) 
established before selection of the consumer for the offer of credit or insurance; and (B) 
disclosed to the consumer in the offer of credit or insurance. (m) Credit or Insurance 
Transaction That Is Not Initiated by the Consumer.-The term "credit or insurance 
transaction that is not initiated by the consumer" does not include the use of a consumer 
report by a person with which the consumer has an account or insurance policy, for 
purposes of- (1) reviewing the account or insurance policy; or (2) collecting the account. 
(n) State.-The term "State" means any State, the Commonwealth of Puerto Rico, the 
District of Columbia, and any territory or possession of the United States. (o) Excluded 
Communications.-A communication is described in this subsection if it is a 
communication- (1) that, but for subsection (d)(2)(D), would be an investigative 
consumer report; (2) that is made to a prospective employer for the purpose of- (A) 
procuring an employee for the employer; or (B) procuring an opportunity for a natural 
person to work for the employer; (3) that is made by a person who regularly performs 
such procurement; (4) that is not used by any person for any purpose other than a purpose 
described in subparagraph (A) or (B) of paragraph (2); and (5) with respect to which- (A) 
the consumer who is the subject of the communication- (i) consents orally or in writing to 
the nature and scope of the communication, before the collection of any information for 
the purpose of making the communication; (ii) consents orally or in writing to the making 
of the communication to a prospective employer, before the making of the 
communication; and (iii) in the case of consent under clause (i) or (ii) given orally, is 
provided written confirmation of that consent by the person making the communication, 
not later than 3 business days after the receipt of the consent by that person; (B) the 
person who makes the communication does not, for the purpose of making the 
communication, make any inquiry that if made by a prospective employer of the 
consumer who is the subject of the communication would violate any applicable Federal 
or State equal employment opportunity law or regulation; and (C) the person who makes 
the communication- (i) discloses in writing to the consumer who is the subject of the 
communication, not later than 5 business days after receiving any request from the 
consumer for such disclosure, the nature and substance of all information in the 
consumer's file at the time of the request, except that the sources of any information that 
is acquired solely for use in making the communication and is actually used for no other 
purpose, need not be disclosed other than under appropriate discovery procedures in any 
court of competent jurisdiction in which an action is brought; and (ii) notifies the 
consumer who is the subject of the communication, in writing, of the consumer's right to 
request the information described in clause (i). (p) Consumer Reporting Agency That 
Compiles and Maintains Files on Consumers on a Nationwide Basis.- The term 
"consumer reporting agency that compiles and maintains files on consumers on a 
nationwide basis" means a consumer reporting agency that regularly engages in the 
practice of assembling or evaluating, and maintaining, for the purpose of furnishing 
consumer reports to third parties bearing on a consumer's credit worthiness, credit 
standing, or credit capacity, each of the following regarding consumers residing 
nationwide: (1) Public record information. (2) Credit account information from persons 
who furnish that information regularly and in the ordinary course of business. (q) 
Definitions Relating to Fraud Alerts.- (1) Active duty military consumer.-The term 
"active duty military consumer" means a consumer in military service who- (A) is on 
active duty (as defined in section 101(d)(1) of title 10) or is a reservist performing duty 
under a call or order to active duty under a provision of law referred to in section 
101(a)(13) of title 10; and (B) is assigned to service away from the usual duty station of 
the consumer. (2) Fraud alert; active duty alert.-The terms "fraud alert" and "active duty 
alert" mean a statement in the file of a consumer that- (A) notifies all prospective users of 
a consumer report relating to the consumer that the consumer may be a victim of fraud, 
including identity theft, or is an active duty military consumer, as applicable; and (B) is 
presented in a manner that facilitates a clear and conspicuous view of the statement 
described in subparagraph (A) by any person requesting such consumer report. (3) 
Identity theft.-The term "identity theft" means a fraud committed using the identifying 
information of another person, subject to such further definition as the Bureau may 
prescribe, by regulation. (4) Identity theft report.-The term "identity theft report" has the 
meaning given that term by rule of the Bureau, and means, at a minimum, a report- (A) 
that alleges an identity theft; (B) that is a copy of an official, valid report filed by a 
consumer with an appropriate Federal, State, or local law enforcement agency, including 
the United States Postal Inspection Service, or such other government agency deemed 
appropriate by the Bureau; and (C) the filing of which subjects the person filing the 
report to criminal penalties relating to the filing of false information if, in fact, the 
information in the report is false. (5) New credit plan.-The term "new credit plan" means 
a new account under an open end credit plan (as defined in section 1602(i) 1 of this title) 
or a new credit transaction not under an open end credit plan. (r) Credit and Debit Related 
Terms- (1) Card issuer.-The term "card issuer" means- (A) a credit card issuer, in the case 
of a credit card; and (B) a debit card issuer, in the case of a debit card. (2) Credit card.-
The term "credit card" has the same meaning as in section 1602 of this title. (3) Debit 
card.-The term "debit card" means any card issued by a financial institution to a 
consumer for use in initiating an electronic fund transfer from the account of the 
consumer at such financial institution, for the purpose of transferring money between 
accounts or obtaining money, property, labor, or services. (4) Account and electronic 
fund transfer.-The terms "account" and "electronic fund transfer" have the same 
meanings as in section 1693a of this title. (5) Credit and creditor.-The terms "credit" and 
"creditor" have the same meanings as in section 1691a of this title. (s) Federal Banking 
Agency.-The term "Federal banking agency" has the same meaning as in section 1813 of 
title 12. (t) Financial Institution.-The term "financial institution" means a State or 
National bank, a State or Federal savings and loan association, a mutual savings bank, a 
State or Federal credit union, or any other person that, directly or indirectly, holds a 
transaction account (as defined in section 461(b) of title 12) belonging to a consumer. (u) 
Reseller.-The term "reseller" means a consumer reporting agency that- (1) assembles and 
merges information contained in the database of another consumer reporting agency or 
multiple consumer reporting agencies concerning any consumer for purposes of 
furnishing such information to any third party, to the extent of such activities; and (2) 
does not maintain a database of the assembled or merged information from which new 
consumer reports are produced. (v) Commission.-The term "Commission" means the 
Bureau.3 (w) The term "Bureau" means the Bureau of Consumer Financial Protection. (x) 
Nationwide Specialty Consumer Reporting Agency.-The term "nationwide specialty 
consumer reporting agency" means a consumer reporting agency that compiles and 
maintains files on consumers on a nationwide basis relating to- (1) medical records or 
payments; (2) residential or tenant history; (3) check writing history; (4) employment 
history; or (5) insurance claims. (y) Exclusion of Certain Communications for Employee 
Investigations.- (1) Communications described in this subsection.-A communication is 
described in this subsection if- (A) but for subsection (d)(2)(D), the communication 
would be a consumer report; (B) the communication is made to an employer in 
connection with an investigation of- (i) suspected misconduct relating to employment; or 
(ii) compliance with Federal, State, or local laws and regulations, the rules of a selfregulatory organization, or any preexisting written policies of the employer; (C) the 
communication is not made for the purpose of investigating a consumer's credit 
worthiness, credit standing, or credit capacity; and (D) the communication is not provided 
to any person except- (i) to the employer or an agent of the employer; (ii) to any Federal 
or State officer, agency, or department, or any officer, agency, or department of a unit of 
general local government; (iii) to any self-regulatory organization with regulatory 
authority over the activities of the employer or employee; (iv) as otherwise required by 
law; or (v) pursuant to section 1681f of this title. (2) Subsequent disclosure.-After taking 
any adverse action based in whole or in part on a communication described in paragraph 
(1), the employer shall disclose to the consumer a summary containing the nature and 
substance of the communication upon which the adverse action is based, except that the 
sources of information acquired solely for use in preparing what would be but for 
subsection (d)(2)(D) an investigative consumer report need not be disclosed. (3) Selfregulatory organization defined.-For purposes of this subsection, the term "self-regulatory 
organization" includes any self-regulatory organization (as defined in section 78c(a)(26) 
of this title), any entity established under title I of the Sarbanes-Oxley Act of 2002 [15 
U.S.C. 7211 et seq.], any board of trade designated by the Commodity Futures Trading 
Commission, and any futures association registered with such Commission. (z) Veteran.-
The term "veteran" has the meaning given the term in section 101 of title 38. (aa) 
Veteran's Medical Debt.-The term "veteran's medical debt"- (1) means a medical 
collection debt of a veteran owed to a non-Department of Veterans Affairs health care 
provider that was submitted to the Department for payment for health care authorized by 
the Department of Veterans Affairs; and (2) includes medical collection debt that the 
Department of Veterans Affairs has wrongfully charged a veteran. (Pub. L. 90321, title 
VI, 603, as added Pub. L. 91508, title VI, 601XXXX XXXX XXXX XXXX  84 Stat. 1128 ; amended 
Pub. L. 102537, 2(b), XXXX XXXX XXXX XXXX06 Stat. 3531 ; Pub. L. 104208, div. A, title II, 
2402, XXXX XXXX XXXX 110 Stat. 3009 426 ; Pub. L. 105347, 6(1)(3), XXXX XXXX XXXX, 
112 Stat. 3211 ; Pub. L. 108159, title I, 111, title II, 214(c)(1), title IV, 411(b), (c), 
title VI, 611, XXXX XXXX XXXX, 117 Stat. 1954 , 1983, 2001, 2010; Pub. L. 111203, title X, 
1088(a)(1), (2)(A), (C), (3), July 21, 2010, 124 Stat. 2086 , 2087; Pub. L. 115174, title 
III, 302(b)(1), XXXX XXXX XXXX 132 Stat. 1333 .) Editorial Notes References in Text 
Subsection (x) of this section, referred to in subsec. (d)(2)(D), was redesignated 
subsection (y) of this section by Pub. L. 111203, title X, 1088(a)(1), XXXX XXXX XXXX, 124 
Stat. 2086 . Section 1602(i) of this title, referred to in subsec. (q)(5), was redesignated 
section 1602(j) of this title by Pub. L. 111203, title X, 1100A(1)(A), July 21, 2010, 124 
Stat. 2107 . The Sarbanes-Oxley Act of 2002, referred to in subsec. (y)(3), is Pub. L. 
107204, XXXX XXXX XXXX 116 Stat. 745 . Title I of the Act is classified principally to 
subchapter I (7211 et seq.) of chapter 98 of this title. For complete classification of this 
Act to the Code, see Short Title note set out under section 7201 of this title and Tables. 
Amendments 2018-Subsecs. (z), (aa). Pub. L. 115174 added subsecs. (z) and (aa). 2010-
Subsec. (k)(2). Pub. L. 111203, 1088(a)(3), substituted "Bureau" for "Board of 
Governors of the Federal Reserve System". Subsec. (q)(3), (4). Pub. L. 111203, 
1088(a)(2)(C), substituted "the Bureau" for "the Commission" wherever appearing. 
Subsec. (v). Pub. L. 111203, 1088(a)(2)(A), substituted "Bureau" for "Federal Trade 
Commission". Subsecs. (w) to (y). Pub. L. 111203, 1088(a)(1), added subsec. (w) and 
redesignated former subsecs. (w) and (x) as (x) and (y), respectively. 2003-Subsec. 
(d)(2). Pub. L. 108159, 411(b)(1), substituted "Except as provided in paragraph (3), the 
term" for "The term" in introductory provisions. Subsec. (d)(2)(A). Pub. L. 108159, 
214(c)(1), inserted "subject to section 1681s3 of this title," after "(A)" in introductory 
provisions. Subsec. (d)(2)(D). Pub. L. 108159, 611(b), inserted "or (x)" after 
"subsection (o)". Subsec. (d)(3). Pub. L. 108159, 411(b)(2), added par. (3). Subsec. (i). 
Pub. L. 108159, 411(c), inserted heading and amended text of subsec. (i) generally. 
Prior to amendment, text read as follows: "The term 'medical information' means 
information or records obtained, with the consent of the individual to whom it relates, 
from licensed physicians or medical practitioners, hospitals, clinics, or other medical or 
medically related facilities." Subsecs. (q) to (w). Pub. L. 108159, 111, added subsecs. 
(q) to (w). Subsec. (x). Pub. L. 108159, 611(a), added subsec. (x). 1998-Subsec. 
(d)(2)(A)(iii). Pub. L. 105347, 6(1), struck out "any" before "communication of other". 
Subsec. (o)(1). Pub. L. 105347, 6(2), substituted "(d)(2)(D)" for "(d)(2)(E)". Subsec. 
(o)(4). Pub. L. 105347, 6(3), substituted "and" for "or" at end. XXXX-Subsec. (d). Pub. 
L. 104208, 2402(e), inserted subsec. heading, designated existing provisions as par. (1) 
and inserted heading, redesignated cls. (1) to (3) as subpars. (A) to (C), respectively, 
added par. (2), and struck out at end "The term does not include (A) any report containing 
information solely as to transactions or experiences between the consumer and the person 
making the report; (B) any authorization or approval of a specific extension of credit 
directly or indirectly by the issuer of a credit card or similar device; or (C) any report in 
which a person who has been requested by a third party to make a specific extension of 
credit directly or indirectly to a consumer conveys his decision with respect to such 
request, if the third party advises the consumer of the name and address of the person to 
whom the request was made and such person makes the disclosures to the consumer 
required under section 1681m of this title." Subsec. (k). Pub. L. 104208, 2402(a), 
added subsec. (k). Subsec. (l). Pub. L. 104208, 2402(b), added subsec. (l). Subsec. (m). 
Pub. L. 104208, 2402(c), added subsec. (m). Subsec. (n). Pub. L. 104208, 2402(d), 
added subsec. (n). Subsec. (o). Pub. L. 104208, 2402(f), added subsec. (o). Subsec. (p). 
Pub. L. 104208, 2402(g), added subsec. (p). 1992-Subsec. (j). Pub. L. 102537 added 
subsec. (j). Statutory Notes and Related Subsidiaries Effective Date of XXXX  Amendment 
Pub. L. 115174, title III, 302(e), XXXX XXXX XXXX, 132 Stat. 1335 , provided that: "The 
amendments made by this section [amending this section and sections 1681c, 1681c1, 
1681i, and 1681t of this title and enacting provisions set out as a note under section 
1681c of this title] shall take effect on the date that is 1 year after the date of enactment of 
this Act XXXX XXXX XXXX Effective Date of 2010 Amendment Amendment by Pub. L. 
111203 effective on the designated transfer date, see section 1100H of Pub. L. 111203, 
set out as a note under section 552a of Title 5, Government Organization and Employees. 
Effective Date of 2003 Amendment Amendment by Pub. L. 108159 subject to joint 
regulations establishing effective dates as prescribed by Federal Reserve Board and 
Federal Trade Commission, except as otherwise provided, see section 3 of Pub. L. 108
159, set out as a note under section 1681 of this title. Pub. L. 108159, title IV, 411(d), 
XXXX XXXX XXXX 117 Stat. XXXX  , provided that: "This section [amending this section and 
section 1681b of this title] shall take effect at the end of the 180-day period beginning on 
the date of enactment of this Act XXXX XXXX XXXX, except that paragraph (2) of section 
604(g) of the Fair Credit Reporting Act [15 U.S.C. 1681b(g)(2)] (as amended by 
subsection (a) of this section) shall take effect on the later of- "(1) the end of the 90-day 
period beginning on the date on which the regulations required under paragraph (5)(B) of 
such section 604(g) are issued in final form; or "(2) the date specified in the regulations 
referred to in paragraph (1)." Effective Date of 1998 Amendment Pub. L. 105347, 7, 
XXXX XXXX XXXX 112 Stat. 3211 , provided that: "The amendments made by this Act 
[amending this section and sections 1681b, 1681c, 1681g, 1681i, 1681k, and 1681s of 
this title] shall be deemed to have the same effective date [see section 2420 of Pub. L. 
104208, set out as a note below] as the amendments made by section 2403 of the 
Consumer Credit Reporting Reform Act of 1996 (Public Law 104208; 110 Stat. 3009
1257 [3009430]) [amending section 1681b of this title]." Effective Date of 1996 
Amendment Pub. L. 104208, div. A, title II, 2420, XXXX XXXX XXXX, 110 Stat. 3009454 , 
provided that: "(a) In General.-Except as otherwise specifically provided in this chapter 
[chapter 1 (24012422) of subtitle D of title II of div. A of Pub. L. 104208, see Short 
Title of 1996 Amendment note set out under section 1601 of this title], the amendments 
made by this chapter shall become effective 365 days after the date of enactment of this 
Act [Sept. 30, 1996]. "(b) Early Compliance.-Any person or other entity that is subject to 
the requirements of this chapter may, at its option, comply with any provision of this 
chapter before the date on which that provision becomes effective under this chapter, in 
which case, each of the corresponding provisions of this chapter shall be fully applicable 
to such person or entity." Effective Date of 1992 Amendment Pub. L. 102537, 2(d), 
XXXX XXXX XXXX, 106 Stat. 3532 , provided that: "The amendments made by this section 
[enacting section 1681s1 of this title and amending this section] shall take effect on XXXX XXXX XXXX  Effective Date Section effective upon the expiration of one hundred 
and eighty days following Oct. 26, 1970, see section 504(d) of Pub. L. 90321, as added 
by Pub. L. 91508, set out as a note under section 1681 of this title. Construction of 1996 
Amendment Pub. L. 104208, div. A, title II, 2421, XXXX XXXX XXXX, 110 Stat. 3009454 , 
provided that: "Nothing in this chapter [chapter 1 (24012422) of subtitle D of title II 
of div. A of Pub. L. 104208, see Short Title of 1996 Amendment note set out under 
section 1601 of this title] or the amendments made by this chapter shall be considered to 
supersede or otherwise affect section 2721 of title 18, United States Code, with respect to 
motor vehicle records for surveys, marketing, or solicitations." 1 See References in Text 
n

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