Consumer complaint received 2024-10-21 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: TX

Complaint narrative:
Subject : Violation of the Fair Credit Reporting Act ( FCRA ), the Privacy Act of 1974, and Failure to Protect Consumer Rights I am filing this complaint against XXXX, XXXX, and Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), Privacy Act of 1974, and regulations governing the protection of consumer information. The following outlines the specific issues and violations committed by these credit bureaus.

Violation of My Right to Privacy ( 15 U.S. Code 1681 - Congressional Findings ) According to 15 U.S. Code 1681, Congress stated that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to ensure that my private information is not shared without my explicit consent.

Lack of Consent for Furnishing Information ( 15 U.S. Code 1681b and 15 U.S. Code 6801 ) As stated in 15 U.S. Code 1681b, consumer reporting agencies may only furnish reports based on the written instructions of the consumer to whom the report relates. XXXX, Experian, and the furnishers of information do not have my written consent to furnish or report any information. Furthermore, under 15 U.S. Code 6801, Congress established that each financial institution has an obligation to protect the confidentiality of nonpublic personal information. As furnishers of information, these institutions failed to provide me with a clear explanation or obtain my consent to share my information with third parties. 

Revocation of Consent Any and all consent previously given to XXXX, Experian, and the furnishers of information, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. My right to privacy and control over my information is protected under 15 U.S. Code 6802, which states that a financial institution must provide consumers with the opportunity to exercise their right to opt out of information disclosure.

Reporting of Adverse Items ( 15 U.S. Code 1681c ) As per 15 U.S. Code 1681c, no consumer reporting agency may include adverse information on my report that is over XXXX years old, except in cases involving criminal convictions. XXXX, Experian, and XXXX continue to report adverse items on my file without authorization, in direct violation of this law.

Inaccurate Reporting of Information ( 15 U.S. Code 1681s-2 ) According to 15 U.S. Code 1681s-2, it is prohibited for any entity to report inaccurate information to consumer reporting agencies knowingly. I have notified these agencies of the inaccuracies, yet they continue to report erroneous data, which is a clear breach of their responsibilities under this law.

Failure to Implement Reasonable Compliance Procedures ( 15 U.S. Code 1681e ) Under 15 U.S. Code 1681e, consumer reporting agencies are required to establish reasonable procedures to avoid violations of section 1681c and limit the use of consumer reports only for permissible purposes. XXXX and Experian have not maintained reasonable procedures, allowing inaccurate and unauthorized data to remain on my report.

Opt-Out Request ( 12 CFR 1016.7 ) According to 12 CFR 1016.7, I have the right to opt out of any reporting or data sharing at any time. This regulation requires credit bureaus to honor consumer requests to opt out and cease sharing or reporting information promptly. I am formally opting out of any and all reporting services provided by XXXX, XXXX, and Experian. 

Affidavit of Truth Submitted To ensure compliance with the FCRA and FDCPA guidelines, I have submitted an Affidavit of Truth to support my claims. If the Credit Reporting Agencies do not comply, I will file a major complaint with the State Attorney General, XXXX XXXX, and with the Federal Trade Commission ( FTC ) to seek an immediate remedy and correction of my consumer reports. 

Police Report for Fraud I have filed a police report with the XXXX XXXX XXXX XXXX XXXX, Deputy XXXX ( Badge Number XXXX ), under report number XXXX, for all the fraudulent activities and disputes regarding my credit report. This report serves as an official record of the identity theft and inaccuracies being contested. 

NO AND DO NOT SEND ME A STALL LETTER IN THE MAIL ... SAYING YOU NEED MORE IDENTIFICATION... PLEASE DO YOUR JOB AND INVESTIGATE

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