Consumer complaint received 2024-05-01 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: VA

Complaint narrative:
To Whom It May Concern, Subject : Formal Complaint Regarding Violations of Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). Specifically, violations include breaches of FCRA regulations ( 15 U.S.C 1681 Section 602 A and 15 U.S.C 1681 Section 604 A Section 215 U.S. Code 1681c '' 2 and 15 U.S Code 1681b ) RE : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX As a informed customer I am writing this letter for your prompt attention to this matter I have studied the laws to be able to understand a correct my situation and to be able to have a flawless credit report which is very important for someone to be able to live a decent life and obtain a home a vehicle and other necessities in life especially being a single mother, this inaccurate reporting as disputed previously which is unlawful reporting furthermore has been detrimental to my livelihood as well as my inability to obtain new credit as well any credit at all. I am writing to address severe violations of my rights under both the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). It has come to my attention that certain creditors have reported accounts without obtaining my explicit written consent, thereby infringing upon my privacy rights and violating FCRA regulations. Furthermore, the financial institution involved has failed to provide me with the option to opt out of disclosing my non-public personal information to non-affiliated third parties, as mandated by the GLBA. 

Outlined below are the inaccurately reported items, complete with their respective account numbers : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Under the Fair Credit Reporting Act, specifically 15 U.S.C 1681 Section 604 A Section 2 and 15 U.S.C 1681 Section 602 A, these accounts must be promptly removed or deleted until I provide written authorization.

Moreover, in accordance with 15 U.S. Code 1681c '' 2, consumer reporting agencies are obligated to block the reporting of any information stemming from suspected identity theft within four business days of notification. Despite my identification as an identity theft victim, these items remain on my report well beyond the mandated timeframe, constituting a blatant violation of federal law. 

Additionally, as per 15 U.S Code 1681b, consumer reports may only be furnished with the explicit written consent of the relevant consumer. I have never granted such consent for the inclusion of these items on my report, rendering their presence a violation of my federally protected rights as a consumer. Absence of consent equates to identity theft. 

I demand immediate action to rectify these violations, including the removal of the inaccurately reported account from my consumer report and the provision of the option to opt out of disclosures to non-affiliated third parties, as required by law. 

I expect prompt resolution of this matter and thank you for your attention to this urgent issue. 

Sincerely, 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