Consumer complaint received 2025-01-14 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Attn : Consumer Response / Complaint Department Subject : Formal Complaint Regarding Unlawful Reporting Practices by XXXX Dear CFPB Representative : I am writing to file a formal complaint regarding the unlawful reporting of my personal and financial information by XXXX. Specifically, I believe the following actions violate The Privacy Act of 1974 ( 5 U.S.C. 552a ), as well as other pertinent federal statutes and consumer protection laws : 1. Unlawful Disclosure of Transaction History Under the Privacy Act of 1974, it is unlawful to disclose confidential personal informationsuch as transaction historywithout the consumers explicit, written consent. By reporting and potentially distributing my transaction details, XXXX has infringed upon my right to privacy under federal law.

2. Misclassification of Charge Off as a Certificate of Indebtedness ( Income ) A charge-off is effectively treated by many financial institutions as a Certificate of Indebtedness, which may be deemed income for tax reporting purposes ( e.g., via Form 1099-C ). This classification raises serious concerns about XXXX reporting practices and whether it is unlawfully representing such financial information to third parties.

3. Violation of Consumer Protection Statutes Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) : This law imposes strict obligations on consumer reporting agencies regarding the collection, maintenance, and sharing of consumer credit information. XXXX reporting of my private financial data and transaction details may fall outside these legal boundaries.

Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) : This statute restricts disclosure of nonpublic personal information to third parties without the explicit consent of the consumer. XXXX practices appear to violate these requirements by failing to safeguard my personal information. 

Given these concerns, I respectfully request that the CFPB initiate an immediate investigation into XXXX practices. Should XXXX be found in noncompliance, I ask that the CFPB take all appropriate enforcement actions to correct the situation and prevent further violations of these federal laws. 

Additionally, in light of these violations and any resulting inaccuracies, I request that XXXX update my account status to reflect Paid as Agreed to accurately represent the resolution of these disputes and mitigate any further harm.

Thank you for your prompt attention to this matter. I look forward to your response and any guidance you may provide. If you require additional documentation or information, please contact me in writing at the address above. 

Sincerely, 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