Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Formal Complaint and Demand for Immediate Correction Under FCRA and Consumer Privacy Law I am writing to express my formal complaint and serious concern regarding XXXX XXXX ongoing violation of both the Fair Credit Reporting Act ( FCRA ) and my consumer privacy rights. For at minimum 253 days, XXXX XXXX has inaccurately continued to report my personal credit card account on my ex-husbands credit report, despite confirmed documentation that he was removed as an authorized user on XX/XX/2024. 

Under 15 U.S.C. 1681s-2 ( a ) of the FCRA, furnishers of information have a duty to ensure accuracy and to promptly correct any errors once notified. XXXX XXXXXXXX XXXX failure to take timely corrective action constitutes a clear breach of federal obligations. Further, XXXX XXXX continued sharing of my private account information with a third party who no longer has any legal or financial interest in the account violates the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016809, which mandates the protection of consumers nonpublic personal information.

To date, XXXX XXXX has failed to resolve this matter responsibly. Most recently, XXXX XXXX called me on Tuesday, XX/XX/XXXX to close the case with no action taken. 

Moreover, I am aware that XXXX XXXX recently lost a class action lawsuit related to FCRA violations that adversely impacted consumers credit reports. This ongoing situation demonstrates that your organization has not fully remedied the systemic weaknesses that the court likely mandated you address. The originating failure in this case, coupled with the absence of any internal accountability or meaningful correction process, signals a troubling lack of adherence to those legal standards.

To that end, I am still formally requesting the following : Immediate and permanent removal of my credit card account from my ex-husbands credit report. I have proof from his legal counsel documenting that his credit was negatively impacted by a recent charge that pushed the account over the limiton a card to which he no longer has access, use, or legal affiliation. 

Written agreement from XXXX XXXX to reimburse all legal expenses I have incurred as a result of this misreporting. Due to an active Protection From Abuse ( PFA ) order, all communication with my ex-husband has been required to go through legal channels, solely because of XXXX XXXX reporting error. 

I formally request full copies of all recorded telephone calls I have had with XXXX XXXX representatives regarding this incident. Under the Right to Access provision of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ) and general privacy principles enforced by the Consumer Financial Protection Bureau ( CFPB ), I am entitled to access information that XXXX XXXX has collected and stored about me. This includes any call recordings or documentation relevant to this account error.

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