Consumer complaint received 2025-06-09 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: FL

Complaint narrative:
b'AFFIDAVIT OF XXXX XXXX XXXX REGARDING XXXX ACCOUNT\nSTATE OF XXXX XXXX XXXX XXXX XXXX XXXX, being of lawful age and competent to testify, do hereby depose\nand state under penalty of perjury:\n1. Preliminary Statement\n1. I am a resident of XXXX, Florida, over XXXX  years of age, and have personal knowledge of\nthe facts herein. 2. This affidavit addresses inaccuracies and violations in the reporting of\nXXXX  Account on my 3-Bureau Credit Report from XXXX, dated XXXX XXXX obtained from TransUnion, Experian, and XXXX.\n2. Factual Background\n3. The account is reported as Closed with a XXXX balance across all bureaus, a high balance\nof XXXX, and a credit limit of XXXX  TransUnion reports the status as Closed, Paid or\nPaying as Agreed, while Experian and XXXX  report Closed, Paid. 4. All bureaus note\nthe account was closed at my request, with remarks such as Account closed at consumers\nrequest; paid in full (TransUnion), Closed by consumer; paid in full (Experian), and\nAccount closed at consumers request (XXXX). 5. XXXX  failed to provide\nany opportunity to opt out of sharing my nonpublic personal information with credit\nreporting agencies, as required by federal law. 6. No evidence of debt validation or\nconsistent account reporting has been provided by XXXX.\n3. Legal Violations\n3.1 Fair Credit Reporting Act (FCRA) Violations\n7. Under 15 U.S.C.  1681s-2(b), XXXX  failed to ensure consistent reporting\nacross bureaus, as evidenced by the inaccurate Paid or Paying as Agreed status on\nTransUnion for a closed account with a $0 balance. 8. Under 15 U.S.C.  1681i(a)(1),\nTransUnion failed to conduct a reasonable investigation of any disputes, as evidenced\nby the persistent inaccurate status despite the account being closed and paid. 9. The\nabsence of a Date of First Delinquency for any prior derogatory marks violates FCRA\n 1681c(a)(4), preventing verification of the 7-year reporting period.\n3.2 Gramm-Leach-Bliley Act (GLBA) Violations\n10. Under 15 U.S.C.  6802(a) and  6802(b), XXXX  shared my nonpublic\npersonal information with TransUnion, Experian, and XXXX  without providing me an\nopportunity to opt out, as required for nonaffiliated third parties. 11. Under 15 U.S.C.\n 6803(a), XXXX  failed to provide initial or annual privacy notices clearly dis\x02closing my right to opt out of information sharing with credit bureaus, violating GLBA\nrequirements. 12. The absence of documented evidence of opt-out opportunities consti\x02tutes a willful violation of 15 U.S.C.  6802 and  6803.\n1\n3.3 Metro 2 Violations\n13. Metro 2 standards require consistent account status reporting. The Paid or Paying\nas Agreed status on TransUnion for a closed account with a $XXXX  balance violates Metro\n2 guidelines. 14. The failure to update the account with a Compliance Condition Code\n(e.g., XXXX  for completed investigation) post-dispute, if applicable, violates Metro 2\nreporting requirements.\n3.4 Uniform Commercial Code (UCC) Violations\n15. Under UCC  9-210, XXXX  failed to provide an accounting of the debt,\nincluding proof of debt validity, upon my request (implied by prior dispute-related ac\x02tions). 16. The continued reporting of inconsistent status details without validation\nviolates UCC  9-406.\n3.5 Internal Revenue Service (IRS) Violations\n17. If any portion of the debt was previously charged off before the final payment in\nMarch 2022, XXXX  was required to issue IRS Form 1099-C under 26 CFR \n1.6050P-1. No such form has been provided, suggesting potential noncompliance.\n4. Harm Suffered\n18. The inaccurate status reporting has caused financial harm, including but not limited\nto potential confusion among lenders, lower credit scores, and emotional distress. 19. The\nunauthorized sharing of my personal information violates my privacy rights and increases\nidentity theft risk, especially given the fraud alert on my credit file.\n5. Demand for Relief\n20. I demand that TransUnion, Experian, and XXXX  immediately correct the incon\x02sistent status reporting for XXXX  Account to reflect Closed, Paid uniformly\nacross all bureaus. 21. I demand that XXXX  provide debt validation, including\nthe original creditor agreement and itemized statements. 22. I demand that XXXX provide documented evidence of compliance with 15 U.S.C.  6802 and  6803,\nincluding copies of all privacy notices and opt-out opportunities provided to me. 23. I\ndemand immediate cessation of all credit reporting for this account, exercising my opt\x02out right under 15 U.S.C.  6802(b). 24. I reserve all rights under UCC  1-308 without\nprejudice.\nI swear under penalty of perjury that the foregoing is true and correct to the best of my\nknowledge.\nXXXX XXXX XXXX Affiant\nSigned without prejudice under UCC  1-308\nDate: XXXX 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