Consumer complaint received 2024-11-20 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: VA

Complaint narrative:
I, XXXX XXXX, have discovered multiple violations of the Fair Credit Reporting Act ( FCRA ) in relation to my credit report and the handling of my personal and financial information. These violations involve willful noncompliance by the credit reporting agencies and debt collectors, as well as deceptive practices that have adversely affected my credit report and caused unnecessary distress.

Willful Noncompliance ( FCRA Section 616 ) : I identified that credit information about me was accepted and reported without proper verification, which is a direct violation of FCRA Section 616. Under this section, any willful noncompliance can result in civil liability of up to {$1000.00} per violation. Since the information was reported inaccurately and without validation, I am seeking legal remedies under this section. 

Failure to Disclose Consumer Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : I was not properly informed of my right to opt out of sharing my personal information. This omission violates FCRA Section 603 ( d ) ( 2 ) ( A ), which mandates that consumers be made aware of their rights in relation to their personal information. I have been deprived of a vital consumer right, which I believe was deceptive and harmful to my privacy.

Inaccurate Reporting of Accounts ( FCRA Section 623 ( a ) ( 3 ) ) : The credit reporting agency and debt collectors have furnished inaccurate inquiries and accounts without providing the proper validation, a practice that violates FCRA Section 623 ( a ) ( 3 ). This section outlines that any credit reporting should be based on accurate and validated information, which was not the case here. These inaccurate reports potentially violate Generally Accepted Accounting Principles ( GAAP ), and I am seeking their correction.

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : I have experienced undue harassment and distress due to inaccurate debt reporting and collection attempts. Under the FDCPA, debt collectors are prohibited from reporting debts that are not properly validated or that have been falsely reported. Debt collectors have violated this act by contacting me regarding debts without proper validation. 

Acquiring Location Information Violations : I also found that debt collectors improperly disclosed information about my alleged debts to third parties, violating regulations designed to protect my privacy. This breach is a clear violation of rules governing the acquisition and disclosure of location information regarding debts. 

Late Payment Reporting Violations : The credit reporting agencies inaccurately reported " late payments '' on my credit report without clearly defining the criteria for what constitutes a late payment. This vague and misleading reporting is in violation of FCRA Section XXXX, and I have demanded these inaccuracies be corrected immediately. 

Finance Charge Misreporting : Additionally, there were errors in the calculation of finance charges on some of my accounts. These errors fall under the responsibility of the credit reporting agencies to correct, but they have failed to do so, violating FCRA provisions regarding accurate finance charge reporting.

Permissible Purpose Violations ( FCRA Section 604 ) : Certain inquiries were made on my credit report without my written consent, which is in violation of FCRA Section 604. According to this section, credit reports can only be accessed for permissible purposes, and unauthorized inquiries must be deleted. One of these unauthorized hard inquiries was made on XX/XX/year>, which I have requested be removed immediately. 

I have provided a detailed list of specific accounts and inquiries that need to be corrected or removed from my credit report. These include : Incorrect Personal Information : Address information that is inaccurate. 
Late Payments : Accounts like XXXX - XXXX where late payments were inaccurately reported. 
Debt Validation Requests : Accounts such as XXXXXXXX XXXX XXXX where debt collectors must provide proper validation as required under 15 U.S. Code 1692g. I am requesting documentation, such as the original contract or proof of the debt, and if they fail to provide this, these items must be deleted. 
Unauthorized Inquiries : Hard inquiries made without my consent, including the one on XX/XX/year>. 
What I Expect Moving Forward : I am requesting immediate action to address these violations. If my disputes are not resolved promptly and appropriately, I will pursue legal action under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This includes seeking statutory damages, actual damages, and attorney fees for the harm caused by these violations.

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