Consumer complaint received 2024-08-23 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: TX

Complaint narrative:
I am writing to express my outrage over the unauthorized entries on my credit reports from XXXX and XXXX. As a consumer, my rights are not just important ; they are protected by law, and I will not stand for any violations. Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681, Section 602 ( a ) states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I am demanding that you uphold this standard. As consumer reporting agencies, you have a grave responsibility to protect my privacy, and your failure to do so is unacceptable. Furthermore, 15 USC 6801 clearly emphasizes that it is the policy of Congress that every financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect their nonpublic personal information. Any entity providing information to credit agencies falls under this definition, and therefore, you are obligated to ensure that my private information is not disclosed without my explicit consent. The presence of unauthorized entries on my credit report is not only a violation of my rights but also a severe breach of trust. The emotional toll this has taken on me is immense, and I will not accept any further infringements on my privacy. I demand the immediate removal of all unauthorized entries and expect a response detailing your actions within 30 days. If you fail to resolve this issue satisfactorily, I will take further action to protect my rights as a consumer. This matter is urgent, and I expect nothing less than your full compliance with the law. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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