Consumer complaint received 2025-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I am filing this complaint against Equifax and Experian for violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 et seq. ) regarding the unauthorized reporting and disclosure of my personal credit information.

Legal Violations and Concerns 1. Failure to Protect Consumer Privacy ( 15 U.S.C. 1681, 6801 ) The FCRA ( 15 U.S.C. 1681 Section 602 ( a ) ) mandates that consumer reporting agencies act with fairness, impartiality, and respect for consumer privacy.

The Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) requires financial institutions to protect consumers ' private information.

Equifax and XXXX  have failed to uphold these obligations by reporting my personal information without proper authorization. 
XXXX. Furnishing Consumer Reports Without Consent ( 15 U.S.C. 1681b ( a ) ( 2 ) ) Consumer reporting agencies may only furnish a consumer report with the written instructions of the consumer to whom it relates. 
I have never provided written consent for XXXX, Experian, or any furnisher of information to report this account. 
I hereby revoke any previous consent ( verbal, non-verbal, written, implied, or otherwise ). 
XXXX. Failure to Provide an Opt-Out Option ( 15 U.S.C. 6802 ( b ) - ( c ) ) Financial institutions must inform consumers of their right to opt out of the disclosure of nonpublic personal information to third parties.

I was never informed of my right to opt out by the furnisher of information.

12 C.F.R. 1016.7 confirms that a consumer may opt out at any time. I am formally opting out of Equifax and Experians reporting services.

4. Unlawful Reporting of Adverse Information ( 15 U.S.C. 1681c ( a ) ( 5 ) ) Consumer reporting agencies are prohibited from reporting adverse information that is more than seven years old, except for criminal convictions.

The account in question qualifies as adverse information and is being reported without my consent, in violation of this statute.

5. Failure to Maintain Reasonable Procedures ( 15 U.S.C. 1681e ) Consumer reporting agencies must maintain reasonable procedures to prevent violations of the FCRA and ensure accurate reporting. 
Equifax and XXXX failed to prevent the reporting of unauthorized and potentially inaccurate information. 
XXXX. Knowingly Reporting Inaccurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Entities are prohibited from furnishing information if they know or have reasonable cause to believe it is inaccurate. 
The continued reporting of this adverse account without my consent violates this provision. 
Accounts in Question The following accounts are being unlawfully reported without my consent : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank 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

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