Consumer complaint received 2024-03-24 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to address the serious violations of my rights by your agency regarding my credit report. Despite providing proof of my address and identification, I have seen unauthorized accounts included on my consumer report. This inclusion directly violates 15 USC 1681b, which mandates that consumer reporting agencies can only furnish a consumer report under specific circumstances and with written instructions from the consumer. I have not given XXXX, Experian, and XXXX written permission to include any information on my consumer report. Such inclusion without my explicit consent amounts to identity theft and libel per se, constituting defamation of character. furthermore, I have repeated requested the removal of incorrect and non-mailable addresses listed on my credit reports and all of these requests are being ignored.

Moreover, your actions may be classified as Aggravated Identity Theft under 18 USC 1028A and 15 USC 1681A ( 3 ), as you have no legal authority to contact third parties with my private or personal information. Knowingly transferring, possessing, or using someone's means of identification without lawful authority is a felony punishable by up to 2 years of imprisonment, in addition to civil liability. 

The accounts you are reporting also violate accurate reporting standards under 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ). These violations must be rectified immediately. Furthermore, the Fair Education Reporting Act ( FERA ) of 1974, 16 CFR 6805b, and 15 USC 6508 mandate that student loan information be reported accurately. Any failure to correct these inaccuracies will result in legal action being taken against your company. 

Additionally, I want to remind you that credit reporting agencies can not report transaction history, as outlined in the Fair Credit Reporting Act ( FCRA ). Reporting transaction history violates consumer privacy and can lead to inaccurate portrayals of creditworthiness. Any inclusion of transaction history on my credit report is a direct violation of the FCRA, and I demand its immediate removal. 

Your agency has violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974, consumer reporting agency in accordance with section 3711 ( e ) of title 31. Credit reporting agencies need prior written instruction of the individual to whom it relates, 12 CFR 1016.1, 12 CFR 1016.4 Initial privacy notice to consumers required, 12 CFR 1016.7, Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number. 
I discovered an unauthorized inquiry & accounts on my credit file, which violates the Fair Credit Reporting Act ( FCRA ) under sections 616 and 617 " negligent in failing to comply.. liable to that consumer for any damages ''. I am demanding documentation to verify your claims against me for this alleged debt, and for these inquiries. I demand you remove these items from my credit report promptly. Non-compliance may lead to legal action to address the violations. Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I demand that you comply with all relevant consumer protection laws, including but not limited to : 15 USC 1681c ( a ) ( 1 ) ( B ) : This section limits the use of consumer reports regarding bankruptcy, ensuring that such information is used appropriately and in compliance with the law.

16 CFR 603 : These regulations specify how bankruptcy should be reported on consumer reports, ensuring accuracy and fairness in reporting practices.

15 USC 1681c : This section provides further limitations on the use of consumer reports, ensuring that consumer information is protected and used responsibly. 

15 USC 1681g : This section outlines the disclosures that must be made to consumers regarding the use of their credit information, ensuring transparency and consumer awareness.

15 USC 1681h : This section specifies the conditions under which consumer information may be disclosed to certain governmental agencies, ensuring that such disclosures are made responsibly and in accordance with the law.

16 CFR 610 : These regulations provide additional guidance on the Fair Credit Reporting Act, ensuring that consumer information is protected and used responsibly.

12 CFR 1022, 41, 222, 334, 571.46, 717, 1022.130, 222.73 : These sections of the Fair Credit Reporting Act provide comprehensive regulations and guidelines for the fair and accurate reporting of consumer information, ensuring that consumer rights are protected and respected. 

Under these laws, credit reporting bureaus are required to remove any mentions of bankruptcy from credit reports.

I also remind you of the Fair Education Reporting Act of 1974, which mandates accurate reporting of student loan information. Any failure to comply with these laws will result in legal action being taken against your company. this account is in violation of accurate reporting standards and must be removed immediately. 


I expect your immediate and unequivocal compliance with my demands. Failure to do so will result in legal action being taken against your company.

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