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, found multiple issues and violations related to my credit report, which I believe have occurred due to non-compliance with the Fair Credit Reporting Act ( FCRA ) by the credit reporting agencies and debt collectors. Specifically, I noticed several cases of inaccurate information being reported, mishandling of my personal data, and failure to follow the law when it comes to debt validation and consumer rights.

Under FCRA Section 616 ( Civil Liability for Willful Noncompliance ), the credit reporting agencies failed to properly verify the accuracy of the information on my credit report. They accepted and reported credit information about me without performing the necessary verification. This kind of willful noncompliance is not only a violation of my rights but is also punishable by civil liability of up to {$1000.00} per violation. This failure to verify has caused me harm, and I am entitled to seek damages.

Additionally, under FCRA Section 603 ( d ) ( 2 ) ( A ), I was not informed of my right to opt-out of having my personal information shared with others. This omission is a direct violation of my consumer rights, and I am demanding that this be corrected. 

Moreover, under FCRA Section 623 ( a ) ( 3 ), I found that inaccurate inquiries and accounts were reported to the credit bureaus without proper validation. The reporting was deceptive, and this could potentially violate Generally Accepted Accounting Principles ( GAAP ). Inaccurate reporting is not just harmful ; it's illegal, and its affecting my ability to have an accurate credit profile.

There were also violations related to debt collection. The Fair Debt Collection Practices Act ( FDCPA ) mandates that debt collectors can not report inaccurate debts or engage in harassment. However, I found that several debt collectors reported debts without providing proper validation and without my consent. This is a clear violation of the law, causing me unnecessary distress and contact from creditors.

Furthermore, Ive also noticed violations of Location Information Regulations, where debt collectors have disclosed my debt information to third parties, even though this is prohibited. FCRA Section 1681b ( a ) ( 2 ) outlines that credit reporting should only occur when there is a permissible purpose, and yet some inquiries on my credit report were made without my consent, violating that requirement. I am demanding the immediate removal of these unauthorized inquiries.

Lastly, during the COVID-19 pandemic, certain accounts on my report were inaccurately marked as " late '' when, in fact, I was in good standing under government protections for consumers during this time. These payments should be reported as " Never Late ''. I am seeking updates to reflect my accounts as " Paid As Agreed '' and corrected for accuracy under 15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ).

In sum, the violations that occurred were directly related to mishandling of my personal information, failure to validate debts properly, unauthorized access to my credit report, and inaccurate reporting of payment histories, all of which are in clear violation of the Fair Credit Reporting Act and other consumer protection laws. I am demanding that all inaccuracies be corrected and that any unauthorized debts or inquiries be removed. If these issues are not addressed promptly, I will pursue legal action to enforce my rights under the FCRA.

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