Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting this formal complaint regarding Experian 's handling of my personal information and reporting inaccuracies on my credit report. I have serious concerns about potential violations of privacy laws, failure to disclose consumer opt-out rights, and incorrect reporting of several accounts. 

Primary Concerns : Insufficient Disclosure of Opt-Out Rights : Experian does not appear to adequately disclose consumers ' rights to opt out of information sharing, as required under 15 U.S.C. 6802 ( b ) & ( c ) and 12 CFR 1016.7. This lack of transparency violates my right to make informed decisions about my personal information. 

Potential Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 : Experian is obligated to ensure fairness, accuracy, and respect for consumer privacy.

Section 602 ( a ) : Protects consumer privacy.

Section 1681c ( a ) ( 5 ) : Prohibits the reporting of adverse information without proper authorization.

Potential Violations of the Privacy Act of 1974 : Experian 's privacy practices may not comply with the Privacy Act of 1974, 16 CFR Part 313, and 16 CFR 433.2, leading to possible unauthorized sharing of sensitive consumer information.

Identity Theft Concerns : I am concerned that my personal information may be misused under 5 U.S.C. 522a, constituting a serious federal violation.

Inaccurate Reporting of Transactional Information : Under 15 U.S.C. 6801, financial institutions are prohibited from reporting certain non-public consumer information. Experian may be in violation of this law.

Inaccurate Reporting : As per 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), Experian is legally required to furnish accurate information. The reporting inaccuracies in the accounts listed below need to be corrected to reflect accurate statuses and avoid breaches of federal law.

Accounts in Question : I believe the following accounts listed in my credit report are inaccurate and violate my federally protected privacy rights. I am requesting that Experian update them to reflect accurate statuses of " paid as agreed, '' " current, '' and " open/never late. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Action : In light of these concerns, I respectfully request that Experian take the following actions : Update the listed accounts to reflect " paid as agreed, '' " current, '' and " open/never late. '' Correct any inaccuracies in my credit report and mail me a copy of the updated report, reflecting the necessary revisions. 

Provide documentation regarding Experians policies related to consumers ' opt-out rights, as required by law. 

I expect written confirmation of the actions taken within 14 days of receiving this complaint.

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