Consumer complaint received 2025-03-03 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:
Fair Resolution Proposal for CFPB - Equifax Case Number : XXXX Consumer : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX Contact Information : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Email XXXX XXXX Phone : XXXX Subject : Fair Resolution Proposal for Equifaxs Violations of Federal and State Consumer Protection Laws & Secured Party Rights To Whom It May Concern, I am submitting this Fair Resolution Proposal to seek a just and equitable resolution to my complaint regarding Equifaxs ongoing violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Gramm-Leach-Bliley Act ( GLBA ), and XXXX XXXX XXXXXXXX XXXX. Equifax has demonstrated willful non-compliance by continuing to report false, misleading, and unauthorized financial data, despite prior disputes and legal obligations.

Furthermore, Equifaxs actions violate my rights as a secured party, infringing upon my authority over my personal financial data. Their failure to remove inaccurate information, re-reporting of previously deleted alleged late payments, and continued dissemination of fraudulent credit data directly harms my creditworthiness and financial stability. A fair resolution must include both corrective actions and financial compensation to remedy these ongoing violations.

1. Equifaxs Ongoing Violations of Consumer Protection Laws & Secured Party Rights A. Reporting Alleged Late Payments Violates Consumer Law & Secured Party Protections Equifax has repeatedly advertised my private financial data without my consent, violating my secured party rights and multiple federal and state consumer protection laws. The unauthorized reporting of alleged late payments, fraudulent account information, and public record data has : Harmed my financial reputation and led to credit denials. 
Exposed my personal financial experiences to third parties without my explicit authorization. 
Misrepresented my financial standing by re-reporting previously deleted alleged late payments. 

Since Equifax profits from selling consumer credit data, they are engaged in unauthorized commercial activity using my financial history, which is strictly prohibited under my secured party rights and the following consumer protection laws : B. Federal & State Consumer Protection Laws Being Violated Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

1681b Unauthorized Disclosure : Equifax has disclosed my financial data without a permissible purpose.

1681i ( a ) ( 5 ) ( B ) Prohibition on Re-Reporting Deleted Information : Equifax has reinserted previously deleted late payments, which is a direct violation.

1681s-2 ( a ) ( 1 ) Duty to Report Accurate Information : Equifax continues to report false, misleading, and unverifiable information, including alleged late payments that were previously removed. 
Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e Prohibits False or Misleading Credit Reporting : Using alleged late payments as a debt collection tool is illegal. 
Falsely advertising my financial history to third parties misrepresents my financial standing and violates consumer law.

Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6827 6801 Financial Privacy Requirements : Equifax has failed to protect my financial data from unauthorized disclosure.

6821 Pretexting Prohibition : They have used false pretenses to obtain, advertise, and sell my personal credit information. 
XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXXXXXX XXXX XXXXXXXX ) Prohibits unauthorized dissemination of financial data for XXXX residents. 
Requires businesses to implement safeguards to prevent unlawful reporting and financial harm.

2. Accounts and Items That Still Remain to Be Removed The following inaccurate, fraudulent, and unauthorized accounts must be permanently removed to prevent further violations of my secured party rights and federal and state consumer laws : XXXX XXXX XXXX XXXX Previously deleted alleged late payments were re-reported, violating FCRA. 
XXXX XXXX XXXX Previously deleted alleged late payments were re-reported, violating FCRA. 
XXXX XXXX XXXX XXXX  ( Charge-Off Account ) Wrongfully verified. Must be permanently deleted. 
XXXX XXXX XXXX Wrongfully verified. Must be permanently deleted. 
XXXXXXXX XXXX XXXX XXXX XXXX  ( Public Record ) Must be permanently deleted. 
All Remaining Disputed Inquiries and Addresses 3. Financial Compensation for Consumer Law Violations Actual Damages for Financial Harm ( {$25000.00} - {$50000.00} ) Denied credit applications due to fraudulent reporting. 
Higher interest rates on loans and credit due to Equifaxs misconduct. 
Increased financial hardship due to false credit reporting. 
Statutory Damages ( {$1000.00} per violation, up to {$10000.00} ) Failure to remove disputed information. 
Unlawful re-reporting of previously deleted late payments. 
Punitive Damages ( {$50000.00} - {$100000.00}, as determined by legal review ) For willful and repeated violations of FCRA, FDCPA, GLBA, and the XXXX XXXX. 
Reimbursement for Legal & Administrative Costs ( {$5000.00} - {$10000.00} ) For legal fees, CFPB filings, and all expenses incurred in seeking compliance. 
4. Additional Remedies to Prevent Future Violations Provision of Free Credit Monitoring Services for five years to ensure no further fraudulent reporting occurs.

Immediate Direct Notification to All Lenders & Creditors regarding the wrongful reporting.

Public Accountability & Policy Change Commitment Implementation of stronger consumer data accuracy procedures. 
Enforcement of legal compliance policies to prevent future secured party rights violations.

5. Conclusion & Next Steps This resolution proposal is intended to fully compensate for the damages caused by Equifaxs violations and prevent future non-compliance. If a satisfactory resolution is not reached within 15 days, I will pursue legal action and escalate this complaint to the FTC, XXXX XXXX  Attorney General, and all necessary regulatory authorities for further enforcement. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : 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