Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
I am filing a complaint against Experian, XXXX, and XXXX for violations of my consumer rights under the XXXX XXXX XXXX XXXX XXXXhe Fair Credit Reporting Act ( FCRA ), and the Consumer Financial Protection Act. Despite sending an official opt-out notification to XXXX XXXX and XXXX XXXX XXXX in XX/XX/XXXX, these credit bureaus continue to report inaccurate and unauthorized information from third-party collection agencies that purchased my private information. 

Summary of the Complaint : Opt-Out Notification : In XX/XX/XXXX, I sent an opt-out notification to XXXX XXXXXXXX and XXXX XXXX XXXX, XXXX XXXX XXXX cease sharing my private information with third-party credit reporting agencies. They received my request and should have complied by no longer reporting my information. 

Violation of My Opt-Out Rights : Despite my opt-out request, Experian, XXXX, and XXXX have allowed these XXXX to report unauthorized and inaccurate items on my credit report. This is a clear violation of XXXX XXXX. XXXX, which gives me the right to stop third parties from accessing and reporting my private information. 

Violation of the XXXX XXXX XXXX XXXX : Allowing third-party collection agencies to purchase my private information and then report it on my credit report is a violation of the Privacy Act of XXXX ( XXXX XXXX. XXXX ). This act protects individuals ' personal data, and these agencies are unlawfully disclosing and using my private information without my consent. 

Failure to Conduct Proper Investigations : When I disputed the inaccuracies, Experian, XXXX, and XXXX failed to conduct proper investigations as required by XXXX U.S.C. XXXX. Instead, they allowed these inaccurate items to remain on my credit report without proving that the information was authorized or accurate. This constitutes a sham investigation under the FCRA. 

Inaccurate Reporting : The third-party collection agencies continue to report inaccurate information on my credit file, which violates XXXX XXXX. XXXXXXXX XXXX XXXX XXXX This section requires that all information reported on a consumers credit file must be accurate, but these items are not only inaccurate but also unauthorized. 

Reinsertion of Removed Items : If any of the disputed items are removed from my credit report and later reinserted without my consent or proper verification, I will consider it a violation of XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If these items are reinserted after removal, Experian, XXXX, and XXXX are required to notify me within XXXX business days and provide a notice of the reinsertion as per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reinsertion without proper notification and proof of authorization is a violation of the FCRA. 

Violations : Violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I sent a lawful opt-out request in XX/XX/XXXX, which was received by CitiCards XXXX and XXXX XXXX XXXX, prohibiting them from sharing my information with third-party companies. The continued reporting by Experian, XXXX, and XXXX violates my privacy rights under this law. 

Violation of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : By allowing third-party collection agencies to purchase and report my private data without my consent, Experian, XXXX, and XXXX are violating thXXXX XXXX XXXX XXXX XXXX  which regulates the disclosure and sharing of personal information. This is an unlawful disclosure of my private data to unauthorized entities. 

Violation of XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Accuracy of Information ) : The continued reporting of inaccurate and unauthorized information by XXXX XXXX and XXXX XXXX XXXX through Experian, XXXX, and XXXX is a violation of XXXX XXXX XXXX XXXX XXXX XXXX which requires that information reported to credit agencies must be accurate and complete. 

Violation of XXXX XXXX. XXXX ( Failure to Investigate Disputes ) : Experian, XXXX, and XXXX have failed to investigate my disputes properly under XXXX XXXX. XXXX. They have not verified the accuracy of the disputed information or provided proof that the information was authorized by me. 

Violation of XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : I have not received any notices of dispute from Experian, XXXX, or XXXX, as required bXXXX XXXX XXXX XXXX XXXX XXXX XXXX. These notices should be issued when inaccuracies are reported by third-party collection agencies. 

Violation of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : If any disputed items are removed from my credit report and later reinserted, Experian, XXXX, and XXXX must XXXX written notice to me within 5 business days. Failure to provide notice of reinsertion, or reinsertion without proper documentation of authorization, is a violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Violation of FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Documentation Used to Verify Accuracy ) : Under FCRA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, if a credit reporting agency conducts an investigation and decides to keep a disputed item on a consumer 's credit report, it must provide the consumer with the documentation used to verify the accuracy of that item. This includes providing the original signed wet signature from the creditor or collection agency that authorized the reporting of the disputed information. 

I am requesting Experian, XXXX, and XXXX to provide me with : A copy of all documentation used to verify the disputed information, A signed wet signature from the creditor or collection agency confirming that the information was authorized by me, as required by law. 
If they can not provide this documentation, then the disputed items must be removed from my credit report immediately. The failure to provide such documentation violates my rights under XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Request for Resolution : Immediate Cease Reporting : I request that Experian, XXXX, and XXXX stop allowing third-party collection agencies to report inaccurate and unauthorized items on my credit report, in violation of my opt-out rights and the XXXX XXXX XXXX XXXX 
Proper Investigation and Verification : I request that these credit reporting agencies conduct proper and thorough investigations of the disputed items, as required by FCRA XXXX XXXX ( XXXX U.S.C. XXXX ), and provide proof of my authorization for these items to be reported. If they can not provide such proof, I expect the items to be removed from my credit report immediately. 

Compliance with the XXXX XXXX XXXX XXXX  : I request that Experian, XXXX, and XXXX ensure they are fully compliant with the XXXX XXXX XXXX XXXXXXXX, protecting my private information from unauthorized disclosure to third-party collection agencies. 

Notification of Reinsertion : If any disputed items are reinserted after being removed, I expect Experian, XXXX, and XXXX to notify me within 5 business days as required by XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Provide Documentation : I request that Experian, XXXX, and XXXX provide the documentation used to verify the disputed items, including the signed wet signature from the creditor or collection agency authorizing the reporting of the information, as per FCRA XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Take Enforcement Action : If the requested actions are not taken within the appropriate time frame, I ask that the CFPB investigate and take enforcement action against Experian, XXXX, and XXXX for violations of my privacy rights and the FCRA. 

I respectfully ask that the CFPB investigate this matter and take appropriate action to enforce my rights as outlined above. If this issue is not resolved in a timely manner, I will consider pursuing further legal action. 

Thank you for your attention to this matter. I look forward to your prompt response.

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