Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Dispute Regarding the Data Breach, Consumer Privacy Laws and Deletions of accounts, Not Conducting Investigations and Failure to Verify Accounts, and that credit reporting companies are held accountable for junk data and dont secureloopholes in the law that prevent that accountability. 

This letter constitutes a formal dispute regarding the ongoing issues mentioned in the subject line. 

I believe that the following mentioned above violated my rights under the following laws : California Consumer Privacy Act ( CCPA ) : If you are a California resident, this law grants you rights regarding your personal information, including the right to know, access, delete, and opt-out of the sale, and sharing, of my data. 

General Data Protection Regulation ( GDPR ) : The company is collecting advertisements without my consent.

The company is sharing my data with third parties without my authorization.

The company is not providing me with adequate notice of its data practices.

The company is not allowing me to exercise my right to access, delete, or correct my data.

The company is placing freezes, and identity blocks without my authorization.

The company is refusing to cease all communication with third parties.

The company refuses to delete inaccurate information such as old addresses, remove my telephone number, known as names, different variations of my name, and unverified accounts, and fails to give tangible proof of their source of verification.

The company refuses to increase my credit score once the corrections are made.

The company refuses to remove inquiries that don't belong to me.

TransUnion refuses to allow me access to my credit file and refuses to allow me to dispute inaccurate information. XXXX refuses to remove accounts that are over 7 years old. 
The company keeps applying inaccurate information once they have deleted the information, just to re-apply the inaccurate information back on my credit file days later. 

Delete my personal data from your systems. 
Provide me with a copy of all my personal data that you have collected. 
Correct any inaccuracies in my personal data. 
Amend your privacy policy to comply with applicable laws. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition, ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i - Procedure in case of disputed accuracy- ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct reasonable reinvestigation to determine whether the information is inaccurate and record the current status of the disputed U.S. Code Notes information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 days beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

.

15 U.S. Code 1681n - Civil liability for willful noncompliance- ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, U.S. Code Notes actual damages sustained by the consumer as a result of the failure or XXXX, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

15 U.S. Code 6821 - Privacy protection for customer information of financial institutions- ( a ) Prohibition on obtaining customer information by false pretenses It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person ( 1 ) by making a false, fictitious, or fraudulent statement or representation to an officer, employee, or agent of a financial institution ; ( 2 ) by making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution ; or U.S. Code ( 3 ) by providing any document to an officer, employee, or agent of a financial institution, knowing that the document is forged, counterfeit, lost, or stolen, was fraudulently obtained, or contains a false, fictitious, or fraudulent statement or representation.

( b ) Prohibition on solicitation of a person to obtain customer information from a financial institution under false pretenses It shall be a violation of this subchapter to request a person to obtain customer information of a financial institution, knowing that the person will obtain, or attempt to obtain, the information from the institution in any manner described in section ( a ).

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