Consumer complaint received 2024-02-16 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 : Notice of Violations of Fair Credit Reporting Act and Liability I hope this letter finds you well. I am writing to bring to your attention certain violations of the Fair Credit Reporting Act ( FCRA ) that have occurred with regards to an account in dispute. As outlined under sections 1681n, 1681o, 1692k, and 15 USC 1611, these violations entail serious legal repercussions. 

I assert that the [ XXXX Texas CHILD SUPPORT ENFORCEMENT ] has been subject to several violations of the FCRA. It is our belief that these violations have caused significant harm and damages to the affected individuals, and we request immediate rectification of the following issues : XXXX. Failure to provide accurate and complete information : As per the FCRA, it is mandatory for you to provide accurate and complete information to credit reporting agencies. We have identified numerous instances where inaccurate and incomplete information has been provided, leading to negative consequences for the disputing party. 

XXXX. Failure to properly investigate disputes : Under the FCRA, it is crucial for you to conduct reasonable investigations into reported disputes within a timely manner. We have evidence that indicates the failure to appropriately investigate and resolve disputes in accordance with the statutory provisions. 

XXXX. Negligence in ensuring data privacy and security : As a responsible data custodian, it is your legal obligation to adequately safeguard personal and credit information. Our investigation has uncovered lapses in your data security measures, raising serious concerns about the protection of sensitive information. 

Based on the aforementioned violations, we hereby demand that you take immediate corrective actions, including but not limited to : XXXX. Accurately reporting the disputed account information to all relevant credit reporting agencies, updating all incorrect or incomplete information accordingly. 

XXXX. Conducting a thorough and proper investigation of the disputed items, addressing any discrepancies and inaccuracies promptly. 

XXXX. Strengthening your data privacy and security protocols to prevent further unauthorized access or data breaches. 

Please be aware that the FCRA provides for substantial damages in the event of non-compliance with its provisions. Pursuant to sections 1681n, 1681o, 1692k, and 1611, we may pursue legal action to seek compensatory damages, statutory damages, and reasonable attorney fees that may be incurred as a result of these violations. 

We request that you respond to this notice within [ 72 HOURS ] with a detailed plan of action outlining how you intend to correct the violations mentioned above. Failure to respond or address the issues within the specified timeline will be construed as unwillingness to rectify the situation, leaving us with no option but to pursue appropriate legal recourse. 

We believe in resolving matters amicably and avoiding unnecessary litigation. Therefore, we strongly urge you to take appropriate steps to address these violations promptly and ensure compliance with the FCRA. 

Thank you for your immediate attention to this matter. We look forward to a satisfactory resolution and appreciate your cooperation in this regard. 

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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