Consumer complaint received 2024-11-22 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: NY

Complaint narrative:
I am writing to address several significant violations of the Fair Credit Reporting Act ( FCRA ) that have occurred, affecting my credit report. The violations Ive encountered include : Willful Noncompliance ( FCRA Section 616 ) : The credit information reported about me was accepted without proper verification of its accuracy. This is a violation under the FCRA, which holds credit reporting agencies and creditors civilly liable for willful noncompliance with up to {$1000.00} in penalties per violation.

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : I was not properly informed about my right to opt out of the sharing of my personal information, which is a deceptive practice that violates my consumer rights.

Furnishing Deceptive Forms ( FCRA Section 623 ( a ) ( 3 ) ) : Several inaccurate inquiries and accounts were reported to my credit file without proper validation, which violates the FCRA and the Generally Accepted Accounting Principles ( GAAP ).

Violation of Debt Collection Practices Act ( FDCPA ) : Unverified debts were reported, and debt collectors harassed me through improper collection actions, causing unnecessary distress.

Acquiring Location Information ( FDCPA ) : Debt collectors contacted third-party credit reporting agencies with inaccurate information regarding debts I allegedly owed, violati
ng regulations that protect my data from being shared with third parties without my consent.

Timely Payment Regulations : Late payments were inaccurately reported on my credit report without any clear definition of what constitutes a late payment, which is misleading and inaccurate.

Finance Charge Errors : Incorrect finance charges were reported due to a failure to accurately assess them, which is the responsibility of the reporting agencies.

Permissible Purposes for Reporting ( FCRA Section 1681b ( a ) ( 2 ) ) : Information was reported on my credit file without my written consent, which violates the FCRAs rule on permissible purposes for reporting credit information.

As a resolution, I am requesting the following actions : Immediate correction and deletion of any incorrect personal information, such as my addresses at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
Update accounts to reflect accurate information : XXXX XXXX and XXXX XXXX XXXX must update any reported late payments to paid as agreed, never late. 
Debt collectors such as XXXX XXXX XXXX, XXXX XXXX, and XXXX must cease collection activities and provide proof of the alleged debts under the FDCPA ( 15 U.S. Code 1692g ) by supplying original contracts or documents bearing my signature, as well as proof of their right to collect. If they fail to do so, I expect immediate deletion of these items from my credit report. 
Removal of any unauthorized hard inquiries on my credit report, including the inquiry from XXXX XXXX XXXX on XX/XX/year> ( 15 U.S. Code 1681b ( a ) ( 2 ) ).

Failure to resolve these violations promptly will leave me with no choice but to pursue legal remedies available under the Fair Credit Reporting Act, wh
ich provides a framework for holding reporting agencies and debt collectors accountable for errors, inaccuracies, and unlawful practices. 

I expect a swift response and correction of these violations to restore the integrity of my credit report. 

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