Consumer complaint received 2024-02-26 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: PA

Complaint narrative:
I trust this communication finds you in due consideration of its gravity. I write to you today with utmost urgency regarding a matter that implicates a potential breach of the Fair Credit Reporting Act ( FCRA ), particularly enshrined within 15 U.S. Code 1681b. 

Recent scrutiny of my credit profile has unearthed troubling discrepancies indicative of a possible deviation from the strictures delineated within the FCRA. It has been brought to my immediate attention that an inquiry or disclosure featured within my credit report may transgress the bounds of permissible purpose as unequivocally stipulated by this pivotal legislation. 

Under the purview of the FCRA, as comprehensively augmented by the XXXX amendments under the FACT Act, entities such as Experian are bestowed with the solemn duty to disseminate consumer reports solely for explicitly sanctioned purposes delineated within the statute. These purposes, by design, are delimited to matters of critical import such as credit transactions, employment vetting, insurance evaluation, and other substantiated business exigencies. 

Upon meticulous scrutiny of my credit dossier, I have discerned an inquiry or disclosure conspicuously divergent from the confines of permissible purpose enshrined within the FCRA. This disconcerting revelation has precipitated grave concerns regarding the veracity, legality, and ethical integrity underpinning the information encapsulated within my credit profile. 

The specific account denoted by number XXXX notably lacks the imprimatur of a credit transaction, judicial decree, or requisite written authorization from the debtor. Furthermore, there exists no contractual compact that rises to the legal threshold of a credit transaction, thereby conferring no justifiable grounds for the inclusion of said information within my credit report. 

It is imperative to underscore that recent judicial precedents and regulatory directives have unequivocally repudiated antecedent case law and Federal Trade Commission guidance, rendering the inclusion of credit reports for the collection of delinquent child support, judgments, fines, and liens patently impermissible. 

In light of the foregoing, I implore Experian to undertake a swift and exhaustive investigation into this disquieting matter. Furthermore, I urgently solicit comprehensive elucidation concerning the nature and purported purpose of the inquiry or disclosure in question. Concurrently, I earnestly beseech the expeditious expurgation of any unauthorized or inaccurately depicted information from my credit report, in strict conformity with the statutory dictates of the FCRA. 

I trust that Experian will accord the requisite gravitas and diligence commensurate with the exigencies of this circumstance. Please be duly advised that the failure to expeditiously address this grievance may precipitate legal ramifications, thereby entailing potential liability for any ensuing damages incurred. 

Your immediate attention to this matter is paramount, and I eagerly anticipate a prompt and substantive response delineating the remedial actions undertaken to rectify this grave transgression.

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