Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Experian, I am formally disputing the account XXXX XXXX XXXX XXXX, Account # XXXX, reported on my credit file. This account has been included in my report without my explicit authorization, violating multiple consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations. 

Due to these violations, I demand the immediate deletion of this account. Below, I outline the specific legal grounds for my dispute : 1. Violation of the Fair Credit Reporting Act ( FCRA ) - Lack of Permissible Purpose ( 15 U.S.C. 1681b ) : This account was reported without my explicit authorization, violating my right to control the information shared on my credit file.

- Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : Credit bureaus are required to ensure that reported data is accurate and authorized. Since I did not consent to this account, its inclusion in my report is inherently inaccurate.

- Obligation for Reasonable Investigation ( 15 U.S.C. 1681i ) : If you can not verify the legitimacy and accuracy of this account with documented evidence, it must be removed from my report.

2. Violation of the Truth in Lending Act ( TILA ) - Lack of Proper Disclosure ( 15 U.S.C. 1631 ) : Under TILA, lenders are required to provide clear disclosures about how consumer data will be handled. I was never informed that this account would be reported.

3. Violation of the Gramm-Leach-Bliley Act ( GLBA ) - Failure to Provide Notice & Opt-Out Option ( 15 U.S.C. 6801-6809 ; 16 C.F.R. 313 ) : I was never given an opportunity to opt out of my data being shared with third parties, violating my privacy rights.

4. Violation of the Right to Financial Privacy Act ( 12 U.S.C. 3402 ) - Unauthorized Disclosure : My financial data has been reported without my express consent, violating my right to financial privacy.

5. Violation of the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) - Unfair and Abusive Practice : Reporting an account without my knowledge or consent constitutes an unfair and deceptive practice that negatively impacts my financial stability.

6. Physical Verification of Documents and Proof of Authenticity Under 15 U.S.C. 1681g ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681g ( a ) ( 2 ), I demand that this account be removed from my credit report unless physical documentary evidence proving its legitimacy is provided. This must include, among other documents : - The original signed contract, with a verifiable signature. 
- Any evidence demonstrating my authorization for the opening and reporting of this account. 

If you can not provide the physical documentation that verifies the authenticity of this account, its inclusion in my credit report is unjustified and must be deleted immediately. 

XXXX. Financial and Emotional Harm The unauthorized and incorrect reporting of this account has caused significant financial and emotional distress, including : - Increased interest rates on my credit accounts. 
- Denial of credit opportunities. 
- Stress and anxiety due to the negative impact on my credit history. 

Formal Request for Deletion Based on these clear violations of FCRA, TILA, GLBA, and UDAAP, I demand the immediate deletion of these accounts from my credit file. Under 15 U.S.C. 1681i, you are legally required to investigate and correct any inaccuracies within 30 days.

Precedent Cases and Applicable Jurisprudence The violations outlined in this letter have been the subject of previous legal actions against credit bureaus. In XXXX XXXX XXXX XXXX ( XXXX ), the XXXX Supreme Court ruled that consumers have the right to sue for inaccurate reports on their credit files, reinforcing the importance of compliance with the FCRA ( 15 U.S.C. 1681e ( b ) ). In CFPB v. Experian ( XXXX ), Experian was sanctioned for including incorrect information in its databases, affecting the accuracy of credit reports and violating the FCRA. Additionally, in In re Experian Data Breach Litigation ( XXXX ), Experian was sued for its negligent handling of financial data, which constitutes a clear violation of the GLBA ( 15 U.S.C. 6801 ). 
Regarding the Truth in Lending Act ( TILA ), in CFPB v. XXXX XXXX XXXX  ( XXXX ), the CFPB sanctioned a lender for failing to provide clear disclosures about how consumer financial information would be handled, an obligation under 15 U.S.C. 1631. Since Experian has reported information about me without my consent and without providing clear disclosures, this is a direct violation of this regulation. 
Finally, in FTC v. Experian ( XXXX ), the FTC fined Experian for deceptive practices that compromised transparency in credit information management, violating UDAAP. As these cases have set clear precedents, I demand the immediate removal of the disputed information to avoid further legal consequences. 
I have also filed formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other relevant regulatory agencies, and I will continue taking the necessary actions to protect my rights. 

I expect written confirmation of these accounts removal within 30 days from the receipt of this letter. Failure to comply with this request will result in further legal action.

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