Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have an account reported from XXXX XXXX XXXX on my Experian credit profile ( account # XXXX ) that does not belong to me and cant be verified. I contacted the credit bureau ( Experian ) to remove the inaccurate account theyre reporting that was verified as mine but when I asked what was used to verify it was me I receive a response that a member of their team verified it. The representative also had a strong accent and got extremely rude when I ask him to repeat what he said which made it extremely hard to get clarification. I then requested that I be sent documents showing the how this account was verified. It is now XX/XX/XXXX and I have not received any documents yet. When I contacted XXXX XXXX XXXX XXXXXXXX ) they could only provide an old email that the account was connected with which that account was hacked several times. They couldn't provide documents showing how the account was opened online. This is an old account that I just discovered on my Experican credit profile. I never received information or verification about this account from XXXX XXXX XXXX or Experian. How can account be placed on my file without proper communication, notification or verification? 
Experian BLATANTLY VIOLATES SEVERAL FCRA regulations. XXXX XXXX XXXX account XXXX was charged off, but Experian and XXXX XXXX XXXX continues to report this account as a charge off every month in this manner updating it monthly ( please see XXXX and XX/XX/XXXX on Experian credit report ). Charge off account should not have any updates after it was charged off. This inaccurate information falsely manipulates statute of limitations. Additionally, Experian and XXXX XXXX XXXX has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties. This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ) Furthermore, XXXX XXXX XXXX and Experian has violated my rights under the Privacy Act of XXXX. The Privacy Act of XXXX, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.

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