Consumer complaint received 2025-02-21 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint and inform the Consumer Financial Protection Bureau ( CFPB ) about significant violations of the Fair Credit Reporting Act ( FCRA ) committed by the XXXX major credit reporting agencies : Experian, TransUnion, and Equifax. These agencies have updated my credit report without my permission or knowledge, which I believe is a direct violation of the FCRA. I am requesting immediate action to investigate and resolve this matter. 
Heres an Explanation of the Fair Credit Reporting Act ( FCRA ) in Laymans Terms what I believe to interpret as the law.

The Fair Credit Reporting Act ( FCRA ), governed by 15 U.S. Code 1681, is a federal law designed to ensure that the information contained in consumers credit reports is accurate, complete, and protected. In simple terms, it means that any information placed on your credit report must be truthful, and it can not be shared or updated without your consent or proper procedures in place. The law gives you the right to dispute and correct errors on your credit report, and it requires credit reporting agencies to conduct thorough investigations into any disputes you raise. The FCRA also restricts who can access your credit report and for what purposes. 
15 U.S. Code 1681 - Consumer Rights Protection and Accuracy Under 15 U.S. Code 1681, the FCRA requires that credit reporting agencies maintain accurate information and correct any errors that could negatively impact consumers credit scores. This law places the onus on these agencies to ensure that the data they report is correct and up-to-date. When a credit reporting agency updates a consumers credit report without their permission or knowledge, it constitutes a violation of the consumers rights under this statute, as it could lead to inaccurate or unauthorized information being used to make financial decisions. 
15 U.S. Code 1681c Reporting of Negative Information Furthermore, under 15 U.S. Code 1681c, the FCRA outlines specific rules regarding the reporting of negative information. This section states that negative information, such as late payments, collections, or bankruptcies, can only remain on a consumers credit report for a limited time ( typically seven years for most items ). The statute also restricts how long negative information can be reported, ensuring that consumers are not unfairly penalized with outdated or inaccurate information. In my case, the credit agencies have reported negative items on my credit file without proper authorization, violating this provision. 
15 U.S. Code 1681b Permissible Purposes for Accessing Credit Reports Section 1681b of the FCRA addresses who may access a consumers credit report and for what purposes. Specifically, a credit report can only be accessed by third parties with the consumers consent or for specific, permissible reasons, such as lending, employment, or insurance underwriting. In this case, the fact that the credit reporting agencies have updated my credit report without my consent indicates a violation of this provision, as they did not have permission to make these updates or share this information with any third party. 
I Demand for Removal of Negative Items and I have searched up Case Law to back up my claims. 
I hereby demand the immediate removal of all negative items that are improperly impacting my credit report. XXXX XXXX XXXX XXXX XXXX XXXX is to be removed until said companies can provide proof of ; a contract, that I owe cash payments, my Signature WITH THE WET INK MARKS!! These items were reported and updated without my knowledge or consent, and they do not comply with the standards set forth under the FCRA. According to case law, such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), it is clear that consumers have the right to ensure the accuracy and integrity of the data in their credit report. Furthermore, XXXX v. Experian XXXX. Solutions, XXXX, XXXX XXXX XXXX. XXXX XXXX ( D.D.C. XXXX ), demonstrates that credit reporting agencies are required to remove any unverifiable or unauthorized negative information from a consumers report. 
I am requesting that the CFPB investigate the actions of Experian, TransUnion, and Equifax to ensure that they are held accountable for the violations of my consumer rights. I expect that all unauthorized negative information be removed immediately from my credit report and that the credit agencies provide documentation verifying that they have done so. 
Thank you for your attention to this urgent matter. Please confirm receipt of this letter and inform me of the actions being taken to investigate and resolve these issues. 
Sincerely, XXXX XXXX

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