Consumer complaint received 2024-08-06 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: AR

Complaint narrative:
XXXX XXXX XXXX Account # XXXX I am writing to formally dispute the unauthorized sale and inaccurate reporting of the XXXX XXXX XXXX account ( # XXXX ) on my credit reports with Experian and XXXX. The account was sold without my consent, constituting a breach of privacy. Additionally, the reporting on this account is inconsistent and incorrect. I demand the immediate removal of this account from all credit reporting agencies and request a detailed investigation into these issues, as well as suitable compensation for the harm caused. 

Issues Identified 1. Unauthorized Sale of Account : The account was sold to a third party without my knowledge or consent, violating my privacy rights and the Fair Credit Reporting Act ( FCRA ). 
2. Inaccurate Reporting : Last Reported Date : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date Last Active : Experian : XX/XX/XXXX XXXX : XX/XX/XXXX Date of Last Payment : Experian : Not reported XXXX : XX/XX/XXXX Payment Status : Experian : No status reported XXXX : Was 120 Days Late 7 Times, which is inaccurate and inconsistent with the accounts actual status. 

Violations and Impact The discrepancies in the reported dates, payment status, and the unauthorized sale of the account violate my rights under the FCRA and privacy laws. The incorrect information regarding the payment status, especially the claim of being 120 days late 7 times, is not only false but also damaging to my credit profile. The unauthorized sale of my account without my consent is a clear breach of privacy and has caused undue stress and potential financial harm. 

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The inaccuracies in reporting violate this requirement.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

6. Right to Privacy : The unauthorized sale of my account without my consent constitutes a breach of my privacy rights, including the unauthorized disclosure and mishandling of sensitive information.

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