Consumer complaint received 2024-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX EXPERIAN COMPLIANCE DEPT RE : NOTICE - Gramm Leach Bliley Act NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EXPERIAN that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act statute ( s 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX, VA XXXX XX/XX/XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX 4. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX XXXX Please remove it from my credit report. 
6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 XXXX Account Number : XXXX Please remove it from my credit report. 

11. Late Payment Law Letter 15 U.S. Code 1666 ( b ) billing error XXXX XXXX  XXXX XXXX Account Number : XXXX Please Remove The Late Payment 12. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 XXXX Account Number : XXXXXXXX  Please remove it from my credit report. 

13. Late Payment Law Letter 15 U.S. Code 1666 ( b ) billing error XXXX XXXX Account Number : XXXX Please Remove The Late Payment 14. Late Payment Law Letter 15 U.S. Code 1666 ( b ) billing error XXXX XXXX Account Number : XXXXXXXX  Please Remove The Late Payment 15. Late Payment Law Letter 15 U.S. Code 1666 ( b ) billing error XXXX  XXXX Account Number : XXXX Please Remove The Late Payment XXXX 16. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 XXXX Account Number : XXXXXXXX  Please remove it from my credit report. 

Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does EXPERIAN allow these non-compliant institutions to report on my credit profile and put my privacy at risk? 

Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that EXPERIAN PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ). 

Experian and XXXX XXXX  are in direct violation of the GLBA act GLBA non-compliance penalties can be quite serious for financial institutions. They include both monetary fines as well as imprisonment. The GLBA non-compliance penalties include : A fine of up to {$100000.00} for each violation A fine of up to {$10000.00} for officers and directors of the financial institution In case of a serious violation, individuals may be imprisoned for up to 5 years Revocation of licenses

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