Consumer complaint received 2024-11-20 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: SC

Complaint narrative:
I, XXXX XXXX, noticed multiple serious violations regarding my credit report and the practices of certain debt XXXX. These violations are in direct conflict with the Fair Credit Reporting Act ( FCRA ), and I have taken the necessary steps to address them. Heres a breakdown of what occurred : XXXX XXXX XXXX : The credit reporting agency accepted and reported credit information about me without properly verifying its accuracy, which violates FCRA Section 616. This was a willful disregard for the law, and under the FCRA, I am entitled to seek civil liability for up to {$XXXX} for each violation. 

Failure to Disclose My Opt-Out Rights : I was not informed about my right to opt out of the sharing of my personal information with third parties, as required by FCRA Section 603 ( d ) ( 2 ) ( A ). This omission misled me, and I believe it violated my consumer rights.

Inaccurate and Deceptive Reporting : The credit agencies and certain debt collectors furnished inaccurate credit inquiries and accounts without proper validation. This is a violation of FCRA Section 623 ( a ) ( 3 ), and these errors are deceptive and misleading, potentially affecting my creditworthiness.

Harassment and Unfair Debt Collection Practices : I was harassed by debt collectors who reported debts that were inaccurate or did not exist. This caused me unnecessary distress and unwanted contact from creditors, which violates the Debt Collection Practices Act.

Unauthorized Disclosure of Debt Information : Debt collectors improperly shared my personal information with third-party credit agencies, falsely stating that I owed debts. This violates regulations against disclosing such information to third parties without consent.

Deceptive Reporting of Late Payments : Several accounts on my credit report were marked as " late payments '' without a clear definition or justification for what constitutes a late payment. This is misleading, inaccurate, and violates FCRA Section 1681e ( b ), which mandates accurate reporting.

Incorrect Finance Charges : The credit reporting agency failed to accurately calculate and report finance charges on my accounts, violating their obligations under FCRA Section 607.

Failure to Obtain My Consent for Reporting : Some information was reported on my credit report without my explicit written consent, which goes against the permissible purposes outlined in FCRA Section 1681b ( a ) ( 2 ). These practices are illegal under the FCRA. 

To resolve these violations, Ive requested the following actions : Immediate deletion of incorrect personal information related to addresses that dont belong to me, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Corrections to payment histories on accounts like XXXX XXXX XXXX, XXXX, and XXXX, specifically updating the payment history to " paid as agreed/never late '' as instructed by FCRA Section 1681s-2 ( a ) ( 1 ) ( F ) for the COVID-19 period. 
Validation of debts for accounts listed by debt collectors like XXXX XXXX, XXXX, and XXXX XXXX. If they can not validate the debt, Ive requested that these items be removed from my credit report, as required under FCRA Section 1692g and relevant case law. 
Ive made it clear that I expect these issues to be resolved promptly. If they arent, I will have no choice but to pursue legal remedies available to me under the FCRA. These inaccuracies and violations have already harmed my credit, and I am demanding that they be addressed immediately.

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