Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently reviewed my credit report and identified errors and discrepancies that require immediate correction. The following federal laws and regulations outline your responsibilities and my rights as a consumer, which I am invoking to request action on these matters. 

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 Section 602 ( a ), consumer reporting agencies must act with fairness, impartiality, and respect for consumers privacy rights. Additionally, 15 USC 6801 mandates that financial institutions protect the confidentiality and security of customers nonpublic personal information as well as the Privacy Act of 1972.

I also reference 15 USC 1681 Section 604 ( a ) ( 2 ), which specifies that consumer reporting agencies may only furnish consumer reports with the explicit written consent of the consumer. I hereby revoke any and all consent ( verbal, non-verbal, written, or implied ) previously granted to XXXX, Experian, or any furnisher of information. 

Furthermore, 15 USC 6802 ( b ) ( c ) requires financial institutions to inform consumers of their right to opt out of the disclosure of personal information. I was never informed of this right.

Additionally, under 15 USC 1681c ( a ) ( 5 ), consumer reporting agencies are prohibited from reporting adverse items of information that antedate the report by more than seven years unless specifically allowed under subsection ( b ). The reporting of these adverse items without my consent is a violation of federal law. 

Per 15 USC 1681s2 ( A ) ( 1 ) ( A ), furnishers of information must ensure that any information reported to consumer reporting agencies is accurate. Furthermore, under 15 USC 1681e, consumer reporting agencies must maintain reasonable procedures to avoid violations of consumer rights. It is clear that such procedures are not being followed. Lastly, under 12 CFR 1016.7, I am exercising my right to opt out of your reporting services. 

Below are the specific accounts in question : XXXX  XXXX Account Number : XXXX Dispute : Under 15 USC 1692g - Validation of Debts, this account violates debt validation requirements. I request this account be deleted immediately. 

Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e.an ORIGINAL CONTRACT BEARING MY SIGNATURE ). If validation can not be completed, I demand that this information be corrected or deleted from my credit file associated with my Social Security number. 

Under the FCRA Section 623 ( a ) ( 3 ), you are required to investigate and respond to this dispute within 30 days of receipt. Failure to comply will result in further action, including filing a small claims suit against Experian for : Defamation Violation of the Fair Credit Reporting Act Additionally, I request the removal of all non-account-holding inquiries over 30 days old. 

Please note, I am keeping a detailed record of your actions. Depending on your response, I may escalate this issue with the XXXX XXXX XXXX and other consumer protection agencies. 

Thank you for your prompt attention to this matter.

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