Consumer complaint received 2024-12-09 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, XXXX XXXX, authorized this dispute to address multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. These violations have caused significant harm and necessitate immediate corrective action. Below is a summary of what transpired : Willful Noncompliance ( FCRA Section 616 ) Credit information about me was accepted and reported without proper verification of its accuracy. This constitutes willful noncompliance, which is subject to civil liability of up to {$1000.00} per violation.

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) My right to opt out of sharing personal information was not disclosed, violating my consumer rights and engaging in deceptive practices.

Furnishing Deceptive Information ( FCRA Section 623 ( a ) ( 3 ) ) Inaccurate inquiries and accounts were furnished to credit reporting agencies without proper validatio
n, violating industry standards and misleading creditors and consumers alike.

Violations of the Debt Collection Practices Act ( 15 USC 1692 ) Debt collectors reported inaccurate debts and accounts, leading to harassment and unnecessary distress.

Unauthorized Disclosure of Debt Information Debt collectors improperly disclosed my debt information to third parties, violating location information regulations.

Reporting of " Late Payments '' Without Proper Definition Inaccurate and deceptive late payment entries were added to my credit report without clarifying what constitutes a " late payment. '' Failure to Accurately Determine Finance Charges Obligated finance charges were reported inaccurately, further damaging the integrity of my credit report.

Violation of Permissible Purposes for Credit Reporting ( FCRA Section 604 ) My information was included in credit reports without obtaining my explicit written consent, violating permissible purpose guidelines. 

I also identified specific entries from entities such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that reflect unauthorized accounts, unverified debts, and inaccurate reporting. For each, I have requested validation under 15 USC 1692g and deletion of unverifiable or incorrect entries, citing precedents like Wenger v. Trans Union Corp.

This situation has had serious repercussions on my creditworthiness, financial opportunities, and overall peace of mind. Therefore, I have demanded : Removal of unauthorized and inaccurate accounts.

Validation of all alleged debts, including original applications, contracts, or agreements.

Corrections to deceptive or misleading entries.

I expect immediate compliance with these requests. Failure to address these violations may compel me to pursue legal remedies under applicable laws.

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