Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To Whom It May Concern, If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice before my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly about the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX. Upon reviewing my consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

XXXX XXXX XXXX You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you must remove the accounts mentioned in this letter immediately. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, XXXX XXXX XXXX XXXX  and the Federal Trade Commission. Your immediate attention to this matter is expected. 

XXXX XXXX XXXX You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you must remove the accounts mentioned in this letter immediately. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, XXXX XXXX XXXX XXXX, and the Federal Trade Commission. Your immediate attention to this matter is expected. 

XXXX XXXX XXXX You have violated the United States Code Law 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. Therefore, under the law, you must remove the accounts mentioned in this letter immediately. Failure to comply will compel me to pursue monetary damages through small claims court within my city and state. Additionally, this letter has been shared with the Consumer Financial Protection Bureau, the Attorney General 's Office, XXXX XXXX XXXX XXXX and the Federal Trade Commission. Your immediate attention to this matter is expected.

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