Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

To Whom It May Concern, Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable, and Invalidated information from my consumer file. I intend to pursue litigation by the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable, and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors I see you are disregarding it so heres my breakdown.

1. The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.

2. What is an FCRA violation? Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mix up one person 's information with another 's because of a similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.

3. My rights under the Fair Credit Reporting Act Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). 

XXXX  - XXXX You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

XXXX - XXXX You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) By the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we have already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

XXXX - XX/XX/year> You should not have any inquiry on my credit report unless I have explicitly authorized it. I demand that you provide the method used to verify that I applied for credit or granted this company permission to pull my credit, including a signed authorization with my signature. If you can not provide this proof of authorization, REMOVE THIS INQUIRY FROM MY CREDIT REPORT IMMEDIATELY. This unauthorized inquiry is damaging my credit and making it hard for me to obtain new credit. According to the Fair Credit Reporting Act ( FCRA ), the only legitimate reasons for accessing someones credit report are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report Once again, DELETE THIS INQUIRY NOW! 

XXXX XXXX - XX/XX/year> You should not have any inquiry on my credit report unless I have explicitly authorized it. I demand that you provide the method used to verify that I applied for credit or granted this company permission to pull my credit, including a signed authorization with my signature. If you can not provide this proof of authorization, REMOVE THIS INQUIRY FROM MY CREDIT REPORT IMMEDIATELY. This unauthorized inquiry is damaging my credit and making it hard for me to obtain new credit. According to the Fair Credit Reporting Act ( FCRA ), the only legitimate reasons for accessing someones credit report are A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Fair Credit Reporting Act ( FCRA ) : Governs permissible purposes for accessing a credit report. 15 U.S.C. 1681b : Permissible Purpose of Credit Report Once again, DELETE THIS INQUIRY NOW!

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