Consumer complaint received 2025-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Complaint Against Experian for Non-Compliance with FCRA and Privacy Violations To Whom It May Concern, I am filing this complaint regarding Experian 's failure to comply with my rights under the Fair Credit Reporting Act ( FCRA ) and their violations of my privacy rights under 15 U.S. Code 6802. Specifically, Experian has violated the following : 15 USC 1681e ( b ) : Failing to ensure the maximum possible accuracy of my credit report.

15 USC 1681s-2 : Neglecting to maintain and report accurate information.

15 USC 1681i ( 5 ) : Not conducting proper investigations into disputed information.

15 USC 1681c ( c ) : Reinserted inaccurate information without proper notice.

15 U.S. Code 6802 : Disclosed my nonpublic personal information to nonaffiliated third parties without proper notice, opt-out provisions, or consent. 
I have sent multiple dispute letters to Experian regarding inaccuracies associated with the following account numbers : XXXX XXXX XXXX Despite my efforts, Experian has failed to provide adequate investigations or corrections for these disputed accounts. Additionally, Experians actions have violated my privacy rights by failing to notify me or provide an opportunity to opt out of sharing my nonpublic personal information with nonaffiliated third parties, as outlined under 15 U.S. Code 6802 ( a ) and ( b ).

Specifically, Experian : Did not provide a clear and conspicuous disclosure explaining that my personal information would be disclosed to third parties.

Failed to allow me the opportunity to opt out of such disclosures.

Did not explain how I could exercise my nondisclosure option.

These practices constitute a violation of my privacy and undermine my trust as a consumer. Furthermore, I recently learned about the CFPB 's lawsuit against Experian for their " sham investigations '' and systemic issues with handling disputes. My experience reflects these issues, as Experian has consistently disregarded my concerns without conducting a proper investigation.

These inaccuracies and privacy violations are impacting my credit score, access to credit, and overall financial stability. I request the following resolution : Immediate reinvestigation of all disputed items associated with the account numbers provided.

Permanent removal of all inaccurate information. 
XXXX that no previously deleted items will be reinserted without proper notice. 
An explanation of why my nonpublic personal information was disclosed to third parties without appropriate notification or my consent. 
I am attaching supporting documents, including my dispute letters, Experians responses ( or lack thereof ), and credit reports showing the errors in question. 

Please address this complaint promptly to resolve these issues. 

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