Consumer complaint received 2025-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Notice of FCRA Violations and Demand for Immediate Correction I am writing to formally notify you of multiple violations of the Fair Credit Reporting Act ( FCRA ) regarding my consumer report. Based on my review, there have been several serious violations of federal law that require immediate attention and correction.

Legal Basis for Complaint : 1. Unauthorized Reporting and Privacy Violations According to 15 U.S.C. 1681b, consumer reporting agencies may only furnish consumer reports under specific circumstances, primarily with the written instructions of the consumer. I have not provided such authorization. This unauthorized reporting constitutes a direct violation of the FCRA.

2. Information Accuracy and Verification Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must " follow reasonable procedures to assure maximum possible accuracy '' of consumer information. The inaccurate information in my report demonstrates a failure to meet this requirement. 3. Adverse Information Reporting Per 15 U.S.C. 1681c, consumer reports may not
contain adverse information ( excluding criminal convictions ) that antedates the report. The presence of such information in my report violates this provision.

4. Potential Identity Theft Concerns Under 12 CFR 1022.3, the unauthorized addition of information to my consumer report may constitute identity theft, defined as " a fraud committed or attempted using the identifying information of another person without authority. '' 5. Written Instructions Requirement Per 15 USC 1681 Section 604 ( a ) ( 2 ), consumer reports may only be furnished " in accordance with the written instructions of the consumer to whom it relates. '' I hereby affirm that I have not provided written consent for the sharing of my information, and I explicitly revoke any and all consent, whether verbal, non-verbal, written, implied, or otherwise.

6. Adverse Items Prohibition Furthermore, under 15 USC 1681C ( a ) ( 5 ), consumer-reporting agencies are prohibited from reporting adverse items of information. Any continued reporting of such items without my permission is in violation of this statute.

7. Accuracy Requirements Per 15 U.S. Code 1681s-2 ( A ) ( 1 ) ( A ), information known to be inaccurate or reasonably believed to be inaccurate must not be furnished to any consumer-reporting agency. Additionally, 15 U.S. Code 1681e requires consumer-reporting agencies to " maintain reasonable procedures designed to avoid violations. '' Required Actions : Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. 


Instead, Experian improperly reinserts inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report had been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a new furnisher.

Please be advised that under 15 U.S.C. 1681n, willful noncompliance with the FCRA entitles consumers to actual damages or statutory damages between {$100.00} and {$1000.00} per violation, plus potential punitive damages and attorney fees. Furthermore, under 15 U.S.C. 1681o, negligent noncompliance makes you liable for actual damages and attorney fees. 
I expect a written response detailing the steps you will take to remedy these violations within 15 days of receipt of this letter.

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