Consumer complaint received 2024-12-21 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate and adverse information that has been reported on my credit report. Despite my efforts to resolve this matter with the consumer reporting agencies, XXXX, Experian, and XXXX. My private information continues to appear on my credit file in violation of the Fair Credit Reporting Act ( FCRA ). I am seeking your assistance in rectifying this issue.

1. Violation of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681b and 15 U.S.C. 1681a, consumer reporting agencies are prohibited from furnishing information without the express consent of the consumer. I have not given written consent for the reporting of the account in question, nor have I authorized the financial institution that furnished this information to report it to the credit bureaus. In fact, I have revoked any such consent, as outlined below.

2. Revocation of Consent As of the date of this letter, I am formally revoking any and all consent, whether implied or explicit, to the furnishing of this information to the credit reporting agencies. I have not provided any written consent for this account to be reported. This revocation is in full accordance with 15 U.S.C. 1681b ( a ) ( 2 ), which requires written consent from the consumer for information to be furnished to a consumer reporting agency. As such, I request that this information be immediately removed from my credit report.

3. Failure to Inform Me of My Rights Furthermore, the furnisher of the information,, has never informed me of my right to exercise my non-disclosure option as required under 15 U.S.C. 1681s-2 ( a ) ( 1 ). This failure to inform me of my rights violates the obligations placed upon them by the Fair Credit Reporting Act. I was not notified that I could object to or limit the disclosure of this account to consumer reporting agencies, as mandated under 12 CFR 1016.7.

4. Adverse Information Continues to Be Reported Without Consent Despite my objections and revocation of consent, the adverse account information has continued to be reported by the credit bureaus, which constitutes a further violation of the FCRA. As stated in 15 U.S.C. 1681 Section 602, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' The continued reporting of this account, despite the lack of my consent, represents a failure to uphold these responsibilities.

5. Request for Immediate Action I made an attempt to resolve this issue directly by sending written notice of these issues to XXXX, Experian, and XXXX on XX/XX/scrub>XXXX However, the information has not been removed. As such, I am now seeking the assistance of the CFPB to rectify this matter.In 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 without my permission.

I have attached copies of all relevant documentation, including some of my correspondence with the credit reporting agencies, as well as any relevant account details. I look forward to your investigation and resolution of this matter.

Thank you for your time and attention to this important issue. 

Best wishes, Without Prejudice XXXX XXXX XXXX, Authorized Rep All Rights Reserved

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 non-monetary relief