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 identified several violations of my rights under the Fair Credit Reporting Act ( FCRA ) and related laws that require immediate attention and resolution. These violations include inaccurate reporting, failure to disclose my consumer rights, and violations related to debt collection practices. Below, I explain what happened and how these violations occurred : 1. Inaccurate Reporting of Payment Histories I noticed that certain accounts on my credit report, specifically with XXXX XXXX, and XXXX, are inaccurately reporting late payments when, in fact, these accounts were paid as agreed and were never late. Under 15 U.S.C. 1666b, credit reporting must be accurate, and this incorrect reporting has harmed my credit score and financial standing.

Violation : These accounts were incorrectly flagged as having late payments, which is a violation of the FCRAs requirement to report accurate information.

2. Failure to Validate Debts I identified accounts with XXXX and XXXX XXXX that are being reported as debts owed. However, I have not been provided with proper debt validation. Under 15 U.S. Code 1692g, debt collectors are required to provide proof that I owe the debt by supplying documentation such as the original contract or agreement.

Violation : These debts are being reported without proper validation, violating my rights under the Fair Debt Collection Practices Act and the FCRA. Additionally, I requested documentation of the debts, including original signed agreements, but I have not received proof. Without this documentation, these debts must be removed from my credit report. 
3. Unauthorized Hard Inquiry I noticed that there was a hard inquiry on my credit report from XXXX XXXX XXXX on XX/XX/year>, which I did not authorize. Under 15 U.S.C. 1681b ( a ) ( 2 ), credit reporting agencies and creditors must have a permissible purpose to obtain and report credit information. Since I did not authorize this inquiry, it violates my rights under the FCRA. 

Violation : This hard inquiry was made without my consent, which violates the permissible purpose requirements of the FCRA. 
4. Failure to Disclose Consumer Rights Under FCRA Section 603 ( d ) ( 2 ) ( A ), I should have been informed of my right to opt out of the sharing of my personal information. However, this was not disclosed to me. This omission was deceptive and violates my consumer rights, which is why Im raising it as a concern in my dispute.

Violation : The failure to disclose my right to opt-out of personal information sharing is a clear violation of the FCRA.

5. Willful Noncompliance and Inaccurate Reporting I have also identified that certain entities failed to verify the accuracy of the information they reported about me. According to FCRA Section 616, when entities report inaccurate or unverifiable information, they are liable for civil damages of up to {$1000.00} per violation if the noncompliance is deemed willful.

Violation : These entities have failed to properly validate the information theyve reported about me, and this willful noncompliance is punishable under the law. This has caused me significant harm, both financially and emotionally.

6. Debt Collector Violations I have been harassed by debt collectors who reported inaccurate debts to third-party credit agencies, which violates the Debt Collection Practices Act. These collectors also improperly disclosed my debt information to third parties, which is a violation of the regulations that govern how debt information can be shared. 

Violation : Debt collectors have contacted third-party agencies without my consent and reported inaccurate information about my debts, causing undue distress.

What Im Asking for as a Resolution : I am requesting that the following actions be taken immediately to resolve these issues : Correct Inaccurate Payment Histories For the accounts with XXXX XXXX, and XXXX, I request that these be updated to reflect that the payments were paid as agreed and never late. 

Validate Debts For the accounts with XXXX and XXXX XXXX, I request proper debt validation under 15 U.S. Code 1692g. I require proof, including the original signed agreements, contracts, or notes, that substantiate these debts. If this proof can not be provided, I demand that the accounts be deleted from my credit report immediately. 

Remove Unauthorized Hard Inquiry The XXXX XXXX XXXX inquiry on XX/XX/year> was made without my consent, and I request that it be deleted from my credit report as it was not authorized under 15 U.S.C. 1681b ( a ) ( 2 ).

Disclose My Consumer Rights I request that you immediately disclose my rights to opt-out of sharing my personal information, as required under FCRA Section 603 ( d ) ( 2 ) ( A ).

Remove Inaccurate and Unauthorized Accounts All unauthorized and inaccurate accounts must be removed from my credit report, as they violate the FCRA and the Fair Debt Collection Practices Act. 

Provide Written Response I expect a written response confirming that the inaccuracies have been corrected and that any violations have been addressed in full within the required 30-day period set forth by the FCRA.

Compensate Me for Damages Due to the willful noncompliance and harm caused by these violations, I reserve the right to seek civil damages under FCRA Section 616.

Conclusion : In summary, I have identified multiple violations under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and related laws. These violations have caused me harm, including emotional distress and financial damage, and I demand prompt action to correct these issues. If my requests are not met in a timely manner, I will pursue all available legal remedies, including seeking damages for the violations and filing complaints with regulatory agencies. I expect your immediate attention to this matter. 

Sincerely, XXXX XXXX

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