Consumer complaint received 2025-01-18 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:
According to the Fair Credit Reporting Act, 15 USC 1681, section 602, consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. Experian is a consumer reporting agency, and as a consumer, I have the right to protect my private information assertively. I demand that my information is not improperly shared and documented accurately. This right is firmly supported by 15 USC 6801, which declares that it is Congress 's policy that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. XXXX XXXX XXXX XXXX is widely regarded as a trusted and reliable financial institution. According to 15 USC 1681, section 604 ( a ) ( 2 ), a consumer reporting agency may disclose a consumer report solely under certain conditions, precisely when it receives written authorization from the consumer to whom the report pertains. I want to clarify that I do not consent to XXXX XXXX XXXX XXXX or the consumer reporting agency Experian to share my information. They have never received my written consent for this purpose. I am revoking any prior permissions, whether verbal, non-verbal, written, implied, or in any other form. 
Additionally, I would like to reference 15 USC 6802 ( b ) ( c ), which states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed about how they can exercise their right to nondisclosure. '' I appreciate your understanding and cooperation in this matter. I am informing you that XXXX XXXX XXXX XXXX did not notify me of my right to exercise my nondisclosure option. Furthermore, 15 USC 1681C ( a ) ( 5 ) stipulates, Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. '' The account is being reported as an adverse item without my consent, violating this statute. 

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) clearly states, " 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. '' Moreover, 15 U.S. Code 1681e mandates that " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes outlined in section 1681b. Experian is currently not adhering to reasonable procedures. Additionally, XXXX asserts, " A consumer may exercise the right to opt-out at any time. '' Therefore, I am formally opting out of your reporting services. Experian has not fulfilled its legal obligations under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate disputed information on my credit report, resulting in unresolved inaccurate or unverifiable accounts. 

Recently, the Consumer Financial Protection Bureau ( CFPB ) initiated legal action against Experian, citing systemic issues such as the failure to forward consumer-provided evidence to furnishers, the acceptance of unreliable responses, and inadequate notification to consumers regarding the outcomes of disputes. These deficiencies are consistent with my experience. Experian has neither corrected nor removed the disputed items despite the compelling evidence I submitted, causing continued harm to my credit standing. 

I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian is violating federal law and infringing upon my rights as a consumer.

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