Consumer complaint received 2024-01-09 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: NJ

Complaint narrative:
As per the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681, section 602 ( a ), it emphasizes the importance of ensuring that consumer reporting agencies fulfill their responsibilities with fairness, impartiality, and respect for consumers ' rights to privacy. Notable agencies in this context include XXXX, Experian, and XXXX, with the individual asserting their rights as a consumer. The right to safeguard private information is supported by 15 USC 6801, which declares the Congress 's policy that financial institutions have an ongoing duty to uphold customer privacy and protect the confidentiality of nonpublic personal information. 

Under the FCRA, entities providing information to credit agencies, referred to as " Furnishers of information to credit agencies, '' are considered financial institutions. According to 15 USC 1681, section 604 ( a ) ( 2 ), consumer reporting agencies are permitted to furnish a consumer report only in compliance with the written instructions of the respective consumer. The individual asserts that neither the financial institution nor the consumer reporting agencies ( XXXX, Experian, and XXXX ) have received their consent to furnish this information, be it verbal, non-verbal, written, implied, or otherwise, and revokes any and all consent. 

Referring to 15 USC 6802 ( b ) ( e ), the individual highlights that a financial institution can not disclose nonpublic personal information to nonaffiliated third parties without informing the consumer of their right to exercise a nondisclosure option. The Furnisher of information to credit agencies failed to provide such information. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in a consumer report without proper authorization, and the individual claims that the reported account is adverse and has been reported without their permission, violating the law. 

Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), it is stated that a person must not furnish inaccurate information to a consumer reporting agency. Section 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations of FCRA sections 1681c and 1681b. The individual argues that XXXX, Experian and XXXX are not adhering to these reasonable procedures. 

Furthermore, 12 CFR 1016.7 allows a consumer to opt out of reporting services at any time. The individual concludes by exercising their right to opt out of the reporting services provided by the mentioned agencies. 



Please Remove from my Credit Reports Immediately : All unauthorized inquiries from my credit report. As a consumer, I am entitled to the protection of my credit information under the Fair Credit Reporting Act ( FCRA ). After a thorough review of my credit report, I have identified inquiries made by various entities, and I assert that I have not provided consent, whether written or otherwise, for these inquiries. Pursuant to the FCRA, I request that you promptly investigate and remove these unauthorized inquiries, as their inclusion on my credit report violates my privacy rights. I appreciate your prompt attention to this matter and request confirmation of the removal once the investigation is complete. Thank you for your cooperation in maintaining the accuracy and integrity of my credit report. 

The bankruptcy record from my credit report in accordance with relevant consumer protection laws. I request the immediate removal of this information to ensure the fair and accurate representation of my creditworthiness. I appreciate your prompt attention to this matter and request confirmation of the removal once the investigation is complete. 

All charge-offs and collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681s-2, I am entitled to accurate and verifiable information on my credit history. 

I am formally addressing the unresolved credit violations on my record and seeking restitution in accordance with applicable consumer protection laws. Under the Fair Credit Reporting Act ( FCRA ) and other relevant statutes, I assert my rights to accurate and fair credit reporting. I have identified specific credit violations, and in accordance with the FCRA 's provisions, I am entitled to seek maximum compensation of {$1000.00} for each violation. I request a thorough investigation into these matters and prompt resolution of the violations, ensuring that compensation is provided at the maximum amount permissible by law. I appreciate your compliance with consumer protection laws and request confirmation of the resolution once the investigation is concluded. Thank you for your attention to this matter and your cooperation in rectifying these credit violations. 

Here I have Attached my Credit Report for XXXX, Experian, and XXXX as proof of these violations of the laws stated in 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