Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
XX/XX/2023 Subject : Fraudulent Activity on my credit report I am writing to dispute the actions of EXPERIAN and laws they have broken against my rights as a consumer. 

These items are fraudulent and in violation of many laws for the following reasons : EXPERIAN is violating my privacy rights as a consumer according to 15 U.S Code 1681 ( a ) as far as accuracy and fairness of credit reporting and 15 U.S. Code 1681 ( b ) in not adopting reasonable procedures in accurately reporting my credit as a consumer.

Reporting transaction history is illegal and another violation of my rights by EXPERIAN according to 15 U.S Code 1681a ( d ) ( 2 ) ( A ) ( i ).

EXPERIAN has also violated my rights as a consumer according to 15 U.S Code 1681b ( a ) ( 2 ) as there has been given no written consent by me. This is also in violation of the Fair Credit Reporting Act.

My rights, stated in 15 U.S Code 1681c ( a ) ( 5 ), which says no consumer reporting agency may make any consumer report containing any adverse information besides the conviction of crimes, are being violated as well by EXPERIAN.

According to 12 CFR 1022.3 ( h ) this is identity theft, because I did not give my consent to EXPERIAN, which is a crime and violation against another one of my rights.

EXPERIAN is being asked to block this information from my consumer report as per 15 U.S Code 1681c-2.

EXPERIAN has also violated the rights given to me as a consumer in 15 U.S Code 1681e ( a ) & 1681e ( b ) for allowing DEPT OF EDUXXXX XXXX XXXX  XXXX to furnish this information on my credit report in violation of FERPA ( Family Educational Rights and Privacy Act ) 20 USC 1232g ( b ), and by not maintaining reasonable procedures to assure maximum possible accuracy of my information as a consumer.

5 U.S. Code 552a ( 4 ) states that it is illegal for EXPERIAN to have any item, collection or grouping of information about me as a consumer, including my education and financial transactions while at the same time containing my name or other identifying numbers. This is in violation of my rights.

5 U.S. Code 552b states that EXPERIAN violated my rights in disclosing this information without my written consent.

EXPERIAN has also violated my rights in regards to 5 U.S. Code 552b ( 12 ), as they have not obtained consent from me to disclose my information to any other consumer reporting agency in accordance with section 3711 ( f ) ( 1 ) ( E ) ( iii ) of title 31.

I am requesting that EXPERIAN have the item removed.

Enclosed is a copy of my EXPERIAN credit report as well as a copy of the fraud report I filed with the Federal Trade Commission. Please investigate this matter and contact the nationwide credit bureaus to have them delete or block the disputed item ( s ) as soon as possible. 

Warmly, XXXX XXXX Enclosures : A copy of my State ID & A copy of my filed identity theft report, A copy of my EXPERIAN credit report

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