Consumer complaint received 2024-11-20 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: SC

Complaint narrative:
I, XXXX XXXX, have encountered multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ), and I am requesting immediate resolution. The violations center around the inaccurate, unauthorized, and improper reporting of my credit information by debt co

llectors and credit reporting agencies. Below are the main issues that have occurred : Unverified Credit Information : Several credit reporting agencies and debt collectors accepted information about me without first verifying its accuracy, which is a violation of FCRA Section 616. This noncompliance is willful and could subject the parties responsible to civil liability for up to {$1000.00} per violation.

Failure to Disclose My Rights : I was not informed of my right to opt out of sharing my personal information, as required by FCRA Section 603 ( d ) ( 2 ) ( A ). This omission violates my consumer rights and is deceptive in nature.

Deceptive Reporting of Accounts and Inquiries : Several accounts and hard inquiries have been reported on my credit report without proper validation or authorization. Specifically, under FCRA Section 623 ( a ) ( 3 ), debt collectors are required to furnish accurate information, and they failed to do so. These inaccurate reports could violate Generally Accepted Accounting Principles ( GAAP ), and I am requesting immediate correction or removal of these items.

Debt Collection Violations : There were instances where debt collectors reported debts without my consent, causing me unnecessary stress and contact from creditors. This is a violation of the Debt Collection Practices Act and also involves improper disclosure of debt information to third parties, which is prohibited under regulations governing the acquisition of location information. 

Late Payments and Finance Charges : My credit report contains late payments that were reported without any clear definition of what constitutes a late payment, which is misleading and inaccurate. Additionally, finance charges were improperly determined, which is another violation of the responsibilities of credit reporting agencies under the FCRA. 

Unauthorized Hard Inquiries : There are several unauthorized hard inquiries on my credit report, including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. According to 15 U.S.C. 1681b ( a ) ( 2 ), a permissible purpose for a credit report must be established before an inquiry can be made. These inquiries were made without my consent, and I am requesting their removal.

Failure to Obtain Written Consent : Some information was reported on my credit report without obtaining my written consent, which violates the permissible purposes outlined in the FCRA Section 604. As per 15 U.S.C. 1681b, my written consent should have been obtained before reporting or disclosing my credit information. 

In summary, these violations have resulted in inaccuracies, unauthorized actions, and a failure to uphold my rights under the FCRA. I have formally disputed these issues and am demanding that the responsible parties take corrective action immediately, including : Validation of the debts reported and removal of any unverified debts. 
Removal of unauthorized hard inquiries from my credit report. 
Correction or deletion of any inaccurate accounts or information. 
Full disclosure of my rights regarding the sharing of personal information. 
If these issues are not resolved promptly, I will pursue legal remedies under the Fair Credit Reporting Act, including seeking civil penalties for willful noncompliance and potential punitive damages as allowed under 15 U.S.C. 1681n.

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